How To Fight Back To Debt Collectors Who Cross The Line

Being indebted to someone is a serious responsibility. Every borrower has the obligation to pay back what he owes. In turn, lenders also have the right to collect what is owed. In some cases, the borrower may have some difficulties living up to his obligation to make payments. When this happens, the lender may turn to a debt collection agency to take charge over the debt collection.

Usually, a debt collection agency is contacted with debts that are long past due. However, there are instances when debt collection agencies go beyond their boundaries in collecting debts. The Fair Debt Collection Practices Act protects all consumers from unfair debt collection practices. If you feel that your debt collector is treating you unfairly, you should not hesitate to take action. In this article, we’ll discuss the steps you should do if you receive an unfair treatment from debt collectors.

Inform your State Attorney General. Debt collection laws vary from state to state so it is recommended to turn to your State Attorney General for help on such issues. When you file a complaint, an investigation will be conducted by your State Attorney General’s office and if your debt collector is found guilty of the charges, they will be mandated to pay legal damages, and abide by the law’s restrictions.

Notify the Federal Trade Commission. Consumers are encouraged to report any debt collection agency that violates the Fair Debt Collection Practices Act. In fact, in December 2006, the FTC has shut down one agency and demanded a $1 million fine because of the huge number of complaints received against it.

File a law suit against your debt collector. A consumer also has the right to take legal action and file a lawsuit complaint against a debt collection agency. If you win your case, the debt collection agency will be demanded to pay you the damages and ordered to give you as much as $1,000. Your attorney fees and legal costs can also be recovered. If you plan to pursue legal action, notify the National Association of Consumer Advocates.

Know Your Consumer Rights

As a borrower, you should be aware of your legal rights and know whether a debtor is treating you with less respect than you deserve. Remember, although you have the responsibility to submit payments, you are still entitled to your rights especially when it comes to privacy. For a complete list of unfair debt collection practices, visit the FTC’s official webpage that discusses the Fair Debt Collection Act.


About the Author:

Suzy Vanstrusen is a credit analyst and a writer on the website She has been providing consumers with tips and wise information about credit repair as well as helping you out more with your bad credit loans.  Copyright © 2010

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