By now, you know enough about my basic strategy for dealing with debt collectors and how to handle their annoying calls.
So what do you do if the debt collector refuses to validate the debt and continues to call despite being asked to stop?
What about the really abusive debt collectors who make threats that violate the law?
When this happens, it’s time to pull out the big guns in your arsenal.
Start complaining and threatening collection agents with lawsuits!
Yes, it sucks that you have to file lawsuits before companies stop acting inappropriately. But you can’t just roll over and let the debt collectors win!
Your first stop to complain should be to the Federal Trade Commission at www.FTC.gov. You will most likely never hear from anyone at the FTC about your complaint, but don’t let that stop you from filling out the complaint form.
You see, if a debt collector is abusive and the FTC gets enough complaints about a particular collector, they will eventually investigate the complaint and possibly sue the abusive debt collectors on behalf of the citizens of the United States. The FTC can’t take any action unless YOU let them know you’re being abused.
DISCLAIMER:
****CHRISTINE SPRINGER IS NOT A LICENSED ATTORNEY OR FINANCIAL ADVISOR. THIS BLOG IS COMPRISED OF HER OPINIONS, OBSERVATIONS AND INTERPRETATIONS AND IS NOT INTENDED TO BE CONSTRUED AS LEGAL ADVICE. PLEASE CONSULT WITH AN ATTORNEY BEFORE RELYING ON OR TAKING ANY ACTION BASED ON THE INFORMATION IN THIS BLOG.****
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