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Bankruptcy May Be Your Option

Your rights in debt collection

Harassment by creditors is a real problem across the nation. Many credit card companies ignore the laws and the rights of their clients and begin harassing people the moment a payment is a day late. If you know your rights, however, you can not only end creditor harassment but get back on the road to recovery.

There is a federal law in place to defend consumer rights in situations of debt collection. This law, the Fair Debt Collection Practices Act, was put in place under the Federal Trade Commission and requires that companies not use any misleading, deceptive or false representation when they attempt to call in a debt. 

Companies are also not permitted to harass, oppress or otherwise act abusively towards any person in the course of their practices. They can only call homes between 8:00 a.m. and 9:00 p.m.

Debt collectors are only permitted to contact you by mail, fax, telegram or telephone, and may not call you when it is inconvenient, unless you give express permission. This includes contacting you at work if such contact is not approved of by your employer.

You can stop a debt collector from calling or contacting you by notifying them in writing that you wish them to cease. After you tender this letter, the only further contact they are allowed is to acknowledge that they have received the request or to tell you they are undertaking a specific action (such as seeking a court judgment).

An important fact to keep in mind is that if you have hired a lawyer, the credit company must contact your attorney and not you. If you live in Oklahoma, it may be beneficial to speak to an experienced attorney about your situation. 

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