entify themselves, their agency, the original creditor's name and the amount owed. You can dispute this amount within 30 days and rightfully demand them to stop contacting you if you have already canceled yourDebt collectors may start with their harassing calls but the law protects you in several ways. Knowing your rights will let you defend yourself. Though a debt collector is entitled to pursue different collection methods, certain intimidation tactics are illegal and you can always take legal action against them whenever they break the law. Dealing with debt collectors can be really stressful; however, if you know how to protect yourself you can get some ease.

The Fair Debt Collection Practices Act

This Act protects consumers from unfair methods or harassment by debt collectors. You need to understand that this law applies to collection agencies (and not the original creditor). Thus, whenever you are contacted by a debt collector, the following information has to be provided:

Debt collectors must identify themselves, their agency, the original creditor's name and the amount owed. You can dispute this amount within 30 days and rightfully demand them to stop contacting you if you have already canceled your

tion methods, certain intimidation tactics are illegal and you can always take legal action against them whenever they break the law. Dealing with debt collectors can be really stressful; however, if you know how to protect yourself you can get some ease.

The Fair Debt Collection Practices Act

This Act protects consumers from unfair methods or harassment by debt collectors. You need to understand that this law applies to collection agencies (and not the original creditor). Thus, whenever you are contacted by a debt collector, the following information has to be provided:

Debt collectors must identify themselves, their agency, the original creditor's name and the amount owed. You can dispute this amount within 30 days and rightfully demand them to stop contacting you if you have already canceled your

ow to protect yourself you can get some ease.

The Fair Debt Collection Practices Act

This Act protects consumers from unfair methods or harassment by debt collectors. You need to understand that this law applies to collection agencies (and not the original creditor). Thus, whenever you are contacted by a debt collector, the following information has to be provided:

Debt collectors must identify themselves, their agency, the original creditor's name and the amount owed. You can dispute this amount within 30 days and rightfully demand them to stop contacting you if you have already canceled your

nd that this law applies to collection agencies (and not the original creditor). Thus, whenever you are contacted by a debt collector, the following information has to be provided:

Debt collectors must identify themselves, their agency, the original creditor's name and the amount owed. You can dispute this amount within 30 days and rightfully demand them to stop contacting you if you have already canceled your

entify themselves, their agency, the original creditor's name and the amount owed. You can dispute this amount within 30 days and rightfully demand them to stop contacting you if you have already canceled your debt or if it is illegitimate. Through a written cease-contact letter you can request them to stop calling you and sending you letters. After this, they will only be allowed to call and inform you that they have decided to desist from collection that they will sue.

Illegal Practices

It is illegal for debt collectors to make phone calls before 8am in the morning or after 9pm at night. Moreover they cannot call you at a friend’s or neighbor’s house or at your workplace. Also, it is strictly forbidden to call your employer or use your job as means to intimidate you in any way.

It is also absolutely prohibited to threaten you with seizure of your property or imprisonment, personal harm, or any other illegal or aggressive intimidation. Furthermore use of profane language is banned too as any kind of disr