You have the right to stop debt collectors
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Under debt collection laws, you may be entitled to money damages and payment of your attorneys’ fees, if a debt collector has violated the law.
You have the right to stop debt collectors from harassing or abusing
Yes, the law protects you against unfair and coercive debt collection methods. You must know how the law can protect you and help you keep him in check.
A debt collector cannot:
Telephone you an unreasonable number of times
Telephone you at an unusual time/ unusual place
Disclose information of your debts to third parties
Use profane or other abusive language
Contact you after written notification that you do not want to be contacted any further
Claim to be affiliated with any governmental organization
Misrepresent the character, amount or legal status of a debt
Threaten of to take any action that cannot be taken legally
Accuse you having committed a crime
Threaten or communicate false credit information
Attempt to collect, until he honors your request to validate
Use deceptive methods to collect debts
Call you before 8:00 a.m. or after 9:00 p.m.
Call you, but not announce who he/she is
... and more
You Can:
Have the debt reduced or even eliminated
Have credit report cleared of negative reports
Receive up to $1000
Have attorney fees paid by the collection agency
... and more