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Are Creditors Harassing You? Here is how you can make them stop!

Apr 27, 2008
Say you are at home with your family, about to sit down to dinner. The phone rings, and you already know who it is on the other end. You don't want to answer it, and the caller ID confirms your suspicions. It's a number you don't recognize, but you know it's a collection agency again. How annoying.

Don't you wish the harassment would stop? It's embarrassing and stressful. Isn't there anything you can do to make it stop? What are your rights here? Can they really call you at work?

In fact there are several ways to make creditors stop harassing you by phone. When you get a harassing phone call, you should sit down right away and write the company to whom you owe the debt in question what is called a "Do Not Call" letter. This letter will instruct the creditor to stop harassing you with phone calls, and give them a better way to contact you.

One way to keep these harassing calls from happening is to call the company to whom you owe as soon as you know you will be unable to pay on time. You can attempt to work out a payment schedule with them, which will show them that you are acting in good faith and intend to pay what you owe.

Keep a notebook next to your phone and log every time a creditor calls. Mark the date and time of the call, the debt in question, the callers name and the creditor they represent. If it is legal in your state, record your conversations with the creditor. If you don't record the call, tell them you are. This may "scare" them into changing their personality and may stop future calls.

Federal statutes are in place to protect people in your situation too. Creditors are not permitted to call you before 8 in the morning or after 9 in the evening, and may call you only one time after sending them as "Do Not Call" letter - and this is a call to tell you they will stop calling. Creditors may not under any circumstances call you at work, ever. If this ever happens, tell them so.

Additionally, creditors may not threaten your children, threaten action which they cannot by law take, or talk to anyone but you or an involved party such as a spouse or your lawyer about your debt. Creditors can't put you in jail - and without a court order, cannot seize assets or garnish your wages.

There are only three things a creditor can do legally. 1.) They can stop doing business with you. 2.) They can report your failure to pay to a credit reporting agency. 3.) They can sue you to collect the debt. It is doubtful, however, that they will actually sue you because it is not generally worth the legal costs they will incur to collect what you owe them. If you have collateral on the debt, it can be confiscated if you fail to pay your debt. You don't have to be a victim of creditor harassment. You, as a citizen and as a human being, have rights. If you feel that you are being unjustly harassed or verbally bullied by a creditor, there are actions you can take to stop the embarrassment, mental stress and scare tactics of creditor harassment. You deserve respect as a human being and shouldn't be treated like a criminal just because you are a little behind in a bill that you fully intend to pay.

Another thing they cannot do is bully and harass you. You are a citizen and you have legal rights and protections. If you are being harassed by a creditor, you can stop them. You don't have to be treated badly on account of debt which you fully intend to repay.
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