Check Spelling In Legal Kansas Fair Debt Collections Forms For Free

Harassment of the debtor by the creditor ? More than 40 percent of all reported FDCPA violations involved incessant phone calls in an attempt to harass the debtor.

You have the right to send what's referred to as a ?drop dead letter. '' It's a cease-and-desist motion that will prevent the collector from contacting you again about the debt. Be aware that you still owe the money, and you can be sued for the debt.

A name error is an easy correction, and not fatal. You need to talk with the manager directly, and dispute the debt with the collection agency immediately. If they continue to pursue it, you may need to hire an attorney to put it to rest. Otherwise this could start to affect your credit, which you don't want to happen.

Debt collectors cannot harass or abuse you. They cannot swear, threaten to illegally harm you or your property, threaten you with illegal actions, or falsely threaten you with actions they do not intend to take. They also cannot make repeated calls over a short period to annoy or harass you.

Don't pay, don't promise to pay and don't give any payment information the collector may use later. Ask for information on the debt and say you'll call back to discuss it later. Making a single payment ? even just $5 or $10 ? is an acknowledgment of the debt and can have serious repercussions.

If you are struggling with debt and debt collectors, Farmer & Morris Law, PLLC can help. As soon as you use the 11-word phrase ?please cease and desist all calls and contact with me immediately? to stop the harassment, call us for a free consultation about what you can do to resolve your debt problems for good.