For people with past due debts, collection agencies can be most annoying people on the planet. Collectors may be more than irritating, they are sometimes manipulative and threatening. If this sounds familiar, you should know that consumers have rights under the Fair Debt Collection Practices Act (FDCPA). These rights protect you against debt collector harassment. By knowing what collectors cannot do or say, you can protect yourself from abusive phone calls and letters. What is Debt Collector Harassment? Using profane or threatening language: Collectors cannot use profane language when contacting you. They cannot threaten you with violence, or claim they will seize property or imprison you for debts. Misleading you with false information: If a debt collector calls you pretending to be law enforcement or an attorney, they are breaking the law. Debt collectors cannot send you fake legal documents, bills, or other paperwork. They cannot falsify the amount owed….
Read More »