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How to Report a Collection Agency or Debt Collector for Harassment

The Fair Debt Collection Practices Act (FDCPA) protects you in several different ways. Essentially, the FDCPA protects consumers from abusive debt collection practices, such as foul language and misleading communication. They aren’t allowed to lie to you, nor wreck your life with harassing and embarrassing phone calls. Thanks to this Act, you control communication with debt collectors!

You can limit when and how debt collectors contact you. It curbs lying, harassment, threats of violence, and other unfair behavior by debt collectors. All of this is great, but the real world often works a little differently than that. The truth is that debt collectors may not be following these rules to the letter of the law, even though they know they should be. While these protections are built into the law, they may not come automatically to you. That is where we come in to help.

If you are repeatedly dealing with a debt collector or debt collection agency who is violating the FDCPA, it is time to do something about it. You don’t have to live this way, and they know it! You can take action in three easy steps:

#1 Ensure they are in violation of the Act. Before you can move forward, it is essential to know for sure the collection agency is violating the FDCPA. To find out more about what these laws are and what collection agencies can do, contact Safe Credit Solutions. We know the law very well and can help you with collections harassment.

#2 File a complaint. This complaint could be made to several different places, including with the Federal Trade Commission, the Better Business Bureau, and the Consumer Financial Protection Bureau. In fact, you may decide it is warranted to complain to all three! These government agencies seek to protect consumers, as well as promote fair competition within the financial markets by ensuring that the laws are properly upheld. The Better Business Bureau is a non-profit organization that works alongside businesses in all industries to promote ethical, trustworthy business practices with all business entities, including debt collection agencies.

#3 Contact your state’s Attorney General. The FDCPA is a federal rule. In addition to it, some states have their own laws in regards to debt collection. To find out more about the laws in your state, contact your Attorney General. If you find that the debt collector in question appears to be breaking your state-specific laws, you can file an additional complaint with the Attorney General as well. 

If you believe that you are being harassed or treated unfairly by a debt collector, make today the day you do something about it. You are not fighting this fight alone! Safe Credit Solutions is here to be on your side. Reach out today and learn more about how we can help you with debt collection harassment.

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