# Debt Collector Won’t Leave You Alone? Here’s What You Can Do

Is your phone ringing off the hook with debt collectors? Are you drowning in threatening letters? You’re not alone, and more importantly, you have rights. Let’s break down how to deal with pesky debt collectors and reclaim your peace of mind.

## Know Your Rights: The Fair Debt Collection Practices Act (FDCPA)

First things first: arm yourself with knowledge. The FDCPA is your shield against abusive debt collection practices. Here’s what debt collectors can’t do:

– Call you before 8 a.m. or after 9 p.m.
– Contact you at work if you’ve told them not to
– Harass or threaten you
– Use obscene language
– Make false statements
– Threaten to have you arrested

If a debt collector is breaking these rules, they’re breaking the law. Period.

## Steps to Take When Debt Collectors Won’t Back Off

### 1. Demand Written Verification of the Debt

Don’t assume the debt is legitimate. Ask for a “validation notice” that includes:
– The amount owed
– The name of the creditor
– Your rights under the FDCPA

Pro tip: Send this request in writing within 30 days of first contact.

### 2. Keep a Paper Trail

Document everything:
– Dates and times of calls
– Names of people you spoke with
– What was said in conversations
– Copies of all letters sent and received

This information can be crucial if you need to file a complaint or lawsuit later.

### 3. Tell Them to Stop Contacting You

You have the right to tell debt collectors to cease communication. Send a written request, and they must stop contacting you, with two exceptions:
– To inform you of specific actions (like filing a lawsuit)
– To let you know they’ll stop trying to collect

Remember: This doesn’t make the debt go away, but it can give you breathing room.

### 4. Dispute the Debt if It’s Not Yours

If you believe the debt isn’t yours or the amount is incorrect, dispute it in writing. The collector must pause collection efforts until they provide proof of the debt.

### 5. Negotiate

If the debt is legitimate, try negotiating. Many collectors will settle for less than the full amount, especially if you can pay a lump sum.

### 6. Seek Legal Help

If the harassment continues or you’re being sued, consider consulting a consumer protection attorney. Many offer free initial consultations.

## When to File a Complaint

If a debt collector violates your rights under the FDCPA, you can file a complaint with:
– The Consumer Financial Protection Bureau (CFPB)
– Your state’s Attorney General’s office
– The Federal Trade Commission (FTC)

## The Nuclear Option: Suing the Debt Collector

If a debt collector has seriously violated your rights, you might consider suing them in state or federal court. You could be awarded damages, plus attorney’s fees and court costs.

## Prevention is Better Than Cure

To avoid future harassment:
– Stay on top of your debts
– Communicate with creditors if you’re having trouble paying
– Consider credit counseling or debt consolidation

## The Bottom Line

Remember, you have rights. Debt collectors are counting on you not knowing or asserting these rights. Don’t let them intimidate you. Stand firm, know the law, and take action if necessary.