How do you file a complaint against a creditor for harassment?

In: Debt Collection

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Answer

Contact your attorney general in your state and also the federal trade commission and report them. Then send a letter to the collection agencies to cease all telephone communication with you and your family and friends. IF it continues get ahold of attorney because you can sue them for harrassment, tape phone conversations if it is legal in your state, but once you send the the cease letter they can only reply by mail and if they threaten you in letter you will also have that to back you up in court

Exercise good judgement here. The advice above is specific to THIRD PARTY collection activity. If you are dealing with the FIRST PARTY (the original creditor) be certain of the ground you stand on. A Cease & Desist letter to a FIRST PARTY (depending on the state you reside in) could land you in front of a judge. Each situation is different. Don't think for a minute that a letter will make a bad situation better. It may not. If this is course you are considering, check with legal counsel in your state before you make a move YOU THINK is clever.

Answer

You may file a complaint with the FTC and one with your state's Attorney General office. Additionally, you may sue creditors for violations of the Fair Debt Collection Practices Act.

First answer by Gail. Last edit by KenLong. Contributor trust: 12 [recommend contributor]. Question popularity: 120 [recommend question]

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