Are third-party debt collectors calling you day in and day out, demanding that you pay an old debt? Your first step should be to write a cease communications letter, instructing the debt collector to stop calling you. Once a debt collector receives the letter, he or she will legally not be able to call you again regarding your debt.
If a debt collector continues to contact you after you send your cease communications letter, he or she is likely in violation of the FDCPA. This is especially true if you have already contact an FDCPA attorney. Once you have hired a creditor harassment attorney, you should not be contacted by debt collectors at all. All communication must then go through your attorney.
If you have not written your cease communications letter yet, you should contact a creditor harassment attorney in your area. He or she can help you draft your letter and get the collection calls to stop. A creditor harassment attorney can also defend your case in court, potentially allowing you to win $1,000 for the violation, plus additional winnings for any emotional damages done by the harassment.
Unfortunately, not all collection agencies adhere to the FDCPA. The following collection agencies have all been accused of violating the FDCPA at some point.