The best way to stop harassment is to understanding your rights and know the law.

The major law in the United States is the Fair Debt Collection Practices Act which prohibits collectors from the following (select few listed):

  • Calling repeatedly
  • Calling before 8am and after 9pm
  • Calling at your workplace if you’ve requested that they stop and given them a good number
  • Using obscene or threatening language
  • Contacting your employer or neighbors about your debt
  • Demanding that you pay more than you actually owe

Many collectors intentionally break the rules to try to intimidate into paying. If they do make a log and evidence in case you wish to take action in the future.

If you receive repeated requests for payment, write a letter to the bill collector requesting that they stop contacting you. Under the FDCPA, they must cease further contact upon receipt of your letter – except to inform you that they have received it, plan to sue you, or will cease their attempts.

Debt collectors have to follow rules and you’re protected under these guidelines from Federal Trade Commission (FTC).  You don’t you have to be a lawyer to understand this language. Read the Fair Debt Collection Practices Act (FDCPA) for yourself to learn more.