Creditor Harassment FAQ
When a consumer purchases something and agrees to pay for the item within a specific time, it must be paid as agreed. Problems and debt can occur when the said item is not paid on time or at all. Some debt that is not paid is sent off to collectors. These collectors will call, mail, and even e-mail you for payment. While they can send you reminders about a debt, it’s always wise to note that they do not have the right to harass you for any payments. Creditor harassment is very real and illegal.
Here are some helpful tips to keep you aware of creditor harassment, know your rights and how to deal with them: 1. If the creditor is threatening with physical harm towards you or towards your personal property, police assistance can be taken to promptly stop the threats. 2. Offering a settlement can sometimes appease creditors. Some creditors will settle as long as the amount is reasonable. Look at your funds and income to see what you can offer as a settlement. Speak with your attorney, if applicable, to see how much of a settlement is necessary to proceed with. 3. Take the creditor to small claims court. Creditor harassment can sometimes go far overboard; especially if the creditor is attempting to collect more than what was initially agreed for. If you have paid your dues and all agreements have been fulfilled, you can sue the creditor to protect your rights.
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