Owing money to someone and being unable to pay it back on time is incredibly stressful. Dallas debt collections can be brutal in their collection methods. You do have rights, even if you owe money, and you do not have to tolerate harassing behavior from creditors or Dallas debt collections. Here is a brief overview of what you need to know about debt collection in general and how you can stop harassing collection behavior.
Debt Collectors Must Follow the Law
There are special rules that Dallas debt collections must follow when they try to collect the money owed. If they fail to follow the rules under the Fair Debt Collection Practices Act, they may end up owing you money. When you speak to the collection agent, request that they verify all the debts you owe. After the debt is verified, request official written notice of your debt. Talk with a credit counselor or debt attorney about how to pay your debts, or file for bankruptcy.
What is Collection Harassment?
Some Dallas debt collections will use aggressive tactics to collect. However, many of these methods are downright illegal. For example, a collections agent cannot:
- Call very early or very late at night
- Call your employer about your debt
- Repeatedly call over and over again
- Verbally threaten you or your family
- Collect debt larger than you owe
To stop the creditor from calling you, write a formal request for no contact. However, just because they stop calling doesn’t mean you do not owe the debt. You still need to address your debt either with a credit counselor or debt attorney.