How to Stop Harassment From Harris and Harris Debt Collectors with DoNotPay

Harris and Harris Ltd is a debt collection agency with its main headquarters in Chicago, Illinois. The agency has been operational since its formation in 1968 and provides debt collection services to utility companies, government agencies, and healthcare facilities. The company has been providing impeccable services in debt collection to its clients until 2015 when complaints were filed against the company.

Since 2015, approximately 95 complaints have been filed with Better Business Bureau (BBB) against the company. The company has been alleged to violate several Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive or deceptive practices in collecting debts. Some of these practices include failing to send consumers required notices and attempting to collect debts that have been paid. You might feel that Harris and Harris debt collectors have used unfair practices while collecting debt from you, and you wonder how to stop them? Fortunately, DoNotPay has you covered as it will help you hold them accountable for their actions easily and with less frustration.

What is FDCPA in Debt Collection?

The Fair Debt Collection Practices Act is an act that has been designed to protect you from unfair debt collection methods. It was passed in 1968 and highlighted all the laws that debt collectors should adhere to while collecting debts from consumers. FDCPA federal law prohibits third-party debt collectors from unlawful actions when collecting debt on behalf of another person.

FDCPA covers several types of debt, which include:

1. Credit card debt
2. Medical bills
3. Student loans
4. Mortgage,
5. Auto loans

What Are the FDCPA Regulations/Violations Debt Collection

The FDCPA protects you by prohibiting debt collectors from using unfair means while collecting money from you. The following are some of the violations that debt collectors cannot go against while collecting money from you:

• Harassment and Abuse
• Contacting you at inconvenient times
• Deceptive and Unfair Practices

FDCPA Regulation on Harassment and Abuse

They should neither threaten nor use violent criminal behavior while collecting debt from you nor should they use profane language when communicating to you. Also, debt collectors are prohibited from publicizing your debt to embarrass you to pay.

Contacting You at Inconvenient Times Violation

Debt collectors are not supposed to call you at any time of their convenience; otherwise, they risk violating the set FDCPA rules. They are only restricted to calling you between 8 am to 9 pm.

Deceptive and Unfair Practices Violation

Debt collectors are not supposed to engage in any fraudulent or unfair practice when dealing with you. Some deceptive practices include making false representations of the legal status of your debt and threatening to take legal action if you don't pay your debt. Any action that makes you pay additional money other than the money you owe them is regarded as a Violation of FDCPA rules.

Is Harris and Harris Legitimate Debt Collection Agency?

Yes. According to the Better Business Bureau (BBB), which established a profile page for the company in June 2015, the company is legit. It has been considered a BBB-accredited business since 2018, where it is listed as a debt collection company.

Other names Harris and Harris can show up on your credit card include Harris and Harris debt collection limited, Harris and Harris debt collectors.

What Are Your FDCPA Rights When Dealing with Harris and Harris Debt Collectors?

You should exercise your rights when dealing with Harris and Harris debt collectors. These include:

• Not allowing them to call at unusual hours or places
• They should respect your request to stop making collection calls
• They should give you a debt validation letter in the first five days since your initial contact
• You have the right to communicate to your attorney if you have one

How to Stop Harris and Harris Debt Collectors on Your Own

You can deal with Harris and Harris by yourself in the following steps:

1. Do a review of the debt validation letter and confirm the amount you owe the original creditor.
2. For clarification, you can file a request for debt verification.
3. After verifying the debt, you can choose to pay the debt, request the debt collector to halt contacting you, specific communication you want them to be using, or report them to CFPB for Violating your rights.

While you can find success with DIY methods in stopping Harris and Harris debt collectors, confronting such an established agency can be frustrating and time-consuming. DoNotPay provides a perfect solution to you in a simple way.

How to Stop Harris and Harris Debt Collectors Using DoNotPay

Here's how it works:

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 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.

You can also check out our other credit products, including Credit Limit Increase and Clean Credit Report!

Why Is DoNotPay the Best Solution for Stopping Debt Collectors

DoNotPay stands to be the best solution for your debt woes from the fact that it is:

• Fast- You do not have to spend hours looking for means to get Harris and Harris debt collectors to stop calling you.
• Easy- All you need is to follow the three steps to take the course of action you want to take.
• Successful-You can rest assured that we make the best case for you.

It works for medical debt, credit card debt, and follows the rules of your state. If a debt collector is threatening to take your stimulus check, or take you to court, make DoNotPay your first resource. Deal with debt collectors the easy way: invoke DoNotPay.

Stopping a debt collector agency has never been this easy! Sign up today and allow us to handle the whole process in a fast and less annoying manner.