How to Stop Crystal Collections Debt Collectors From Harassing Me

Crystal Collections debt collectors work in the asset and vehicle repossession industry. This means that if you bought a car or some other asset, like a house, and you can't make payments on it anymore, then the company that you bought your asset from might ask Crystal Collections to work with you to get the asset back.

Once Crystal Collections debt collectors start working with a company, they will probably get in touch with you to work out a payment plan. If this is not possible, then they will repossess your asset and give it back to the company. As per their website, they try to do this in the most sensitive and humane way possible, since they keep in mind that the consumer will likely be going through a difficult time.

If you feel that Crystal Collections is treating you unfairly, threatening you or harassing you, keep in mind that you are not out of options. DoNotPay can help you handle the situation in the best way possible. All you have to do is answer some questions about the way in which Crystal Collections has contacted you and DoNotPay will tell you what your options are to get them to back off.

How to Contact Crystal Collections

Crystal Collections is a legitimate debt collection agency. So if they are contacting you, it generally means that you owe a debt to some company which has engaged Crystal Collections to collect that debt.

Here are some ways in which you can reach Crystal Collections to figure out a way to pay off your debt/return the asset you purchased:

Is Crystal Collections Harassing You?

Sometimes, it's difficult to know when a debt collection agency is harassing you and when their attempts to get in touch with you are legitimate. A debt collection agency does have the right to contact you by mail or phone, as long as they do so at a decent hour of the day.

However, the following behaviours on the part of your debt collector constitute harassment:

1. Calling you many times in one day or calling you early morning or late night.
2. Pursuing you on social media.
3. Sending you papers that look official even though they are not e.g. papers that look like court documents.
4. Making physical or verbal threats.
5. Coercing you into larger instalments than you can afford.
6. Asking you to pay a debt which is not actually yours.
7. Saying that they are from the bailiff or the sheriff's office when they are not.

These and many other behaviours on the part of debt collectors are not acceptable and you can take steps to get them to stop.

How to Deal With Crystal Collections

If you are having trouble with Crystal Collections, there are certain things you can keep in mind.

• Respond: It's not a good idea to simply ignore letters or phone calls from Crystal Collections because these are not going to go away. If you keep ignoring them, you may be laying yourself open to prosecution.
• Collect Evidence: If you believe that Crystal Collections is harassing you, then you need to start collecting evidence of this. Write down all the times they called you and what they said. Do not throw away their letters. Get testimony from neighbours and friends.
• Take Action: You can start out by writing a letter to Crystal Collections, asking them to stop harassing you. If this doesn't work, you can complain to the Citizens Advice Consumer Service, Consumerline (in Northern Ireland) or the Financial Ombudsman Service.

Why Use DoNotPay to Decide How to Respond to Debt Collectors

Debt collectors can be notoriously persistent, even if it turns out that you don't actually owe the debt and it was attributed to you erroneously. There are times when a debt collector might harass you, threaten you, contact you at all hours of the day and night and generally make your life extremely difficult. And you might feel like there's no way to get rid of them.

However, if the debt was erroneously attributed to you or if the debt collector is harassing you in an illegal fashion, then you are not helpless. There are things you can do and agencies you can contact in order to stop the harassment. However, it may be difficult to decide exactly what you should do next unless you do a lot of research to figure out what your options are.

DoNotPay is there to make the process easier for you. All you have to do is enter some information about the behaviour of the company if you believe they are harassing you. DoNotPay will process this information and then tell you the best course of action.

1. Search "debt collection" on DoNotPay.

2. Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.

3. Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to a professional trade association.

What Other Debt Collectors Can DoNotPay Help You With?

Different companies use different debt collectors. So if you find that DoNotPay helped you to resolve your issue with Crystal Collections, you can also use them to do the same with other debt collectors, such as:

• Moorcroft Debt Recovery
• Lowell Financial
• DWP Debt Management
• Advantis Debt Collection
• Amigo Loans
• Provident Loans
• Marston Group Holdings

When your debt goes to a collections agency like Crystal Collections, they might pursue you somewhat aggressively. Although such agencies have the right to get in touch with you to discuss the payment of your debt or repossessing your assets, they do not have the right to harass you.

So if you feel that Crystal Collections has been harassing or threatening you, use DoNotPay to get some guidance about what your next steps should be.