Are You Being Harassed by Debt Collectors? Here's How to Stop Them Now!
There might have been a time in the past when you got behind on your bills and stopped paying some of them. It might be old credit card bills, medical bills, or utility charges. No matter what it was, there's a debt collector who seems to be calling you all the time and flooding your mailbox with collection letters.
You want the calls and letters from the debt collector to stop, but you aren't having any luck. You might have told the debt collector to stop calling or sent them a letter telling them to stop, but they continue to call. The DoNotPay app can help get the calls and letters to stop.
What Is a Debt Collector?
A debt collector is a person who works for a collection agency that represents a company or person to that you might owe money. It's their job to get you to pay the debt. In some cases, the debt collector might be able to negotiate a settlement with you, where you pay less than you owe, and they remove the account from your credit report.
Your Rights When Dealing With a Debt Collector
You have rights when you're dealing with a debt collector. A debt collector won't advise you of your rights and will try to skirt them if they can, which makes it essential that you know your rights. Here are some to consider:
- The Fair Debt Collection Practices Act lays down the rules that all debt collectors are supposed to follow.
- A written debt validation letter must be mailed to you by the debt collector within five days of their first contact with you.
- It's your right to request a debt verification request. Once you request this, the debt collector must stop all collection activities until they provide you with verification of the debt.
- A debt collector can't call you after hours or at work once you advise them that they're calling a work number.
How to Respond to a Debt Collector
Debt collectors will try to frighten you into making an immediate payment when they contact you. However, you do need to get some information from them. You need to get the name of the debt collection agency that they work for and the contact information.
You also need to ask about the original creditor to whom you owed money and the date when the debt occurred. Ask for a breakdown of the original debt along with any fees and interest attached to the debt.
If the collection agency continues harassing you, you should report it to the Consumer Financial Protection Bureau (CFPB). There are ways to report a rogue debt collector, contact them here:
|Phone Number||(855) 411-CFPB (2372)|
|Email or Contact Form||Complain Form Portal|
How to Remove Collections From Your Credit Report Instantly
A collection account on your credit report can damage your credit. If you notice an account that isn't yours or too old, you should call the debt collector and ask for verification. You can also file a dispute with the credit bureau.
Is There an Easier Way to Stop Debt Collectors Fast?
Debt collectors can be a lot more than annoying. They can become a nuisance that you can't seem to get rid of, no matter how hard you try. You might need a little help when everything that you've already tried fails. DoNotPay can partner with you to put an end to debt collector harassment.
Here's how it works:
- Search "debt collection" on DoNotPay.
- 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.
- 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 the CFPB.
And that's it! Once you choose the course of action you want to take, DoNotPay will handle the rest. We'll deliver your request directly to the debt collectors via first-class mail or file your complaint automatically with the CFPB so that they're no longer able to use unfair debt collection practices.
Why Use DoNotPay to Solve the Problem of Ending Harassment From a Debt Collector
If you want to stop harassment from a debt collector, you need to use DoNotPay. Here are a few of the reasons people choose the app:
- It's fast, so you don't have to deal with any more harassment!
- It's easy to navigate the steps!
- It's successful at stopping debt collector harassment!
DoNotPay Works Across All Companies/Entities/Groups With the Click of a Button
Now that you've learned a little more about dealing with debt collectors, you might have other questions concerning debt collection and ways to deal with collection accounts. DoNotPay can provide you with more information on a variety of topics, including:
What Else Can DoNotPay Do?
After you stop that annoying debt collector with DoNotPay, you can use the app to do so much more! Here are some things to consider trying:
End that annoying debt collector calls with DoNotPay today!
Debt Collector Harassment — Frequently Asked Questions
How much will a debt collector settle for?
A debt collector will typically settle with 10% to 50% of your debt. Debt collectors have no obligations to reduce your debt and will sue you if you don't pay them.
Can a debt collector sue you?
Yes, when you are at least 180 days delinquent on your account, a debt collector may file a lawsuit against you.