Being harassed for credit card debt can feel like a merciless series of interrogations. If you’re facing late mortgage payments, student loans, past-due bills or more, dealing with persistent calls from debt collectors usually adds to the mounds of already existing stress.
The Federal Debt Collection Practices Act (FDCPA) has rules in place prohibiting debt collectors from harassing, oppressing or abusing you while contacting you about debts.
We care about your wellbeing in times of debt. Our skilled attorneys at McIntyre Thanasides Bringgold Elliott Grimaldi & Guito, P.A are trained and able to give you the assistance you need when dealing with credit card debt harassment.
In addition to consulting with a trusted lawyer, here are a few steps you can take to protect yourself from credit card debt harassment.
Contact the Consumer Financial Protection Bureau (CFPB)
You can submit an official complaint through the Consumer Financial Protection Bureau (CFPB) reporting the harassment you are facing and giving details of your negative experience. The CFPB will then forward your complaint to the company responsible for harassing you, demanding a response within 15 days and aiding you in taking action to end the harassment. To submit a complaint, click here.
Send a cease communication letter
If debt collectors call you non-stop, especially for credit card debt, you may draft a strongly worded cease communication letter demanding them to stop contacting you while you work to pay off your debts. This course of action is most beneficial when debt collectors call you while at work, which could put your job in jeopardy.
Keep full records of your communication
As in most legal cases, documentation is key! Whenever you’re communicating with a debt collector, keep a well-rounded record of your conversations, emails or letters exchanged. Be sure to save any and all voicemails, too. By keeping a trail of your experiences with debt collectors, you have a better chance of pinpointing where and how harassment takes place, giving you the tools you need to put it to a stop.
If you face harassing phone calls, letters or emails from demanding debt collectors, we at McIntyre Law Firm are here to help. Call our consumer protection lawyers; Jeff Hakanson and James Elliott today at (844)511-4800.