![]() Request an end to communication. When a creditor receives your written request to stop contacting you, they must stop contacting you (an exception is made for informing you there will be no further contact or to let you know that a specific action, like filing a lawsuit, is planned).In some cases, a debt collector will send a letter to the consumer with this information. Verify the debt is legitimate. When a debt collector first contacts you, they will probably tell you the amount owed and the creditor’s name.The following steps can be useful if you find yourself being contacted by a debt collector: Debt collectors may also contact your spouse, parent (if the accountholder is a minor), guardian, executor, or administrator. For example, a debt collector can contact your friends, neighbors, and co-workers, but only to find out your home address, phone number, and work address.Īlso, debt collectors can contact your attorney, the creditor, the creditor’s attorney, the debt collector’s attorney, and credit reporting agencies (in some cases). Under the FDCPA, certain debt collection practices are permitted. Abusing or harassing a consumer by, for example, repeatedly calling their telephone or letting it ring continually.Telling a consumer’s co-workers or friends that the consumer is in debt and.Contacting consumers at their place of work if the consumer has notified the debt collector that they are not allowed to receive calls at work. ![]() Using obscene or profane language threatening or using violence, or falsely stating or implying that the debt collector is affiliated with the United States government or a state government. ![]()
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