How-to-Guide On Ending Harassing Calls From Debt Collectors
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So you are getting fed up with the constant harassing calls from one particular debt collection agency and the cease and desist letter you sent them did not stop them. Well then, you came to the right place. This article will teach you how to finally get the annoying monkey (debt collector) off your back. You can file a complaint with one of these organizations: Federal Trade Commission (FTC) or American Collectors Association (ACA).
The Federal Trade Commission enforces the Fair Debt Collection Practices Act (FDCPA) so naturally, they can help you stop the harassing calls. Granted, they don't have a lot of resources to chase every single complaint they get nor can they represent every consumer that complains. However, since the FTC depend on the consumer's complaints to gather information on which debt collection agencies are bad. Thus they will without a doubt help the consumer take action against the worst debt collection agencies. You can file a complaint on their website at https://www.ftccomplaintassistant.gov/.
The American Collectors Association is a national group that covers all of the participants of debt collection agencies that enlisted in the organization. For an agency to become a member, they have to agree to respect the FDCPA and industry standards. So you can file a complaint at their website http://www.acainternational.org/about-file-an-ethics-complaint-209.aspx.
Before you file a complaint, you need to write a well written and professional looking letter to be taken seriously. Here are some tips to write a well written complaint letter. First thing you should do is write down the date of the first time the collector called you. This way it shows how long you attempted to resolve your situation. Next, the tone of your letter should be professional and business-like. Don't beat around the bush, just get right to the point that you are complaining about the abusive collector. Also be sure you find out the name of the organization as well as the people you spoke to on the phone. Those two pieces of information will be very helpful in your case.
Organizing your letter to make it easier to read can be the difference between the agency official taking a look at your letter or throwing it away. Write down all the dates the debt collector called you, the names of them and detailed conversations you had. Now put them in chronology order starting with the date of the first time they contacted you. Summarize the minor points such as non-abusive callers you got and only include the major points such as all of times the caller harassed you. Once you finish the letter, mail or email the letter as soon as possible to the organization you chosen before. So your part is now done. Now all you can do is wait, hope the organization acknowledge and agree to help you put a stop finally to the abusive calls!
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