How Can I Stop Debt Collectors from Harassing Me?

Dealing with persistent calls and letters from debt collectors can be overwhelming and emotionally draining. If you’re wondering how to stop debt collectors from harassing you, the answer lies in understanding your rights under the Federal Fair Debt Collection Practices Act (FDCPA). This act provides robust protections against unfair or abusive tactics by debt collectors. By knowing these rights and enforcing them, you can put a stop to harassment and take control of your financial situation.

The Liblang Law Firm P.C. is dedicated to helping individuals like you protect themselves from harassment and enforcing accountability for abusive collection practices. Here’s what individuals should know when debt collectors keep calling.

Understanding Your Legal Protections

The Federal Fair Debt Collection Practices Act (FDCPA) is a powerful law that protects consumers from aggressive or misleading behavior. Under the FDCPA, debt collectors are prohibited from:

• Calling you at inappropriate times, such as before 8 a.m. or after 9 p.m. 
• Contacting your workplace if they know or are told you cannot take calls there. 
• Threatening violence or harm. 
• Using obscene or profane language. 
• Making false claims about the amount you owe or their legal authority. 

Michigan, like many states, has its own set of consumer protection laws that complement the FDCPA to ensure that residents are shielded from unethical collection tactics. 

Steps You Can Take to Protect Yourself

While having legal protections is crucial, it’s important to be proactive. Here are actionable steps you can take to safeguard your rights:

Request Written Communication 

If you receive a call from a debt collector, you have the right to ask for all communication to be in writing. Send this request via certified mail to get documentation of your correspondence. 

Keep Records of All Interactions 

Maintain detailed records of every communication, including dates, times and the content of their messages or calls. This can serve as evidence if you need to file a complaint or take legal action. 

Confirm the Debt Is Legitimate 

Within five days of their first contact, a debt collector is required to send you a written “validation notice.” The document should clearly outline the amount owed, identify the creditor and explain the process for disputing the debt. If they fail to provide this, it could be a violation of your rights. 

Send a Cease-and-Desist Letter 

If you find the communications excessive or harassing, you can send a cease-and-desist letter. Once a debt collector receives this letter, they are only allowed to contact you to confirm receipt or inform you of further legal steps they may take. 

File Complaints About Violations 

If a debt collector violates your rights, you can file a complaint with the Federal Trade Commission (FTC), the Consumer Financial Protection Bureau (CFPB) or Michigan’s attorney general. 

When to Seek Legal Help

Protecting yourself from debt collector harassment can feel daunting. If you’ve followed the steps above and the harassment continues, or if you’re unsure about how to enforce your rights, we’re here to help. At The Liblang Law Firm P.C., we have years of experience advocating for consumers. We’ll evaluate your situation, guide you through the legal process and help you hold debt collectors accountable for unlawful behavior. 

Take Charge Today

No one should ever have to face harassment from debt collectors. Understanding your rights and taking action can put an end to abusive practices. If you’re ready to stop the harassment and regain peace of mind, contact The Liblang Law Firm P.C. We are committed to protecting your rights and helping you find the right path forward.