Dealing with debt collector harassment is stressful and painful. It’s difficult to determine exactly how to handle this situation on your own. Luckily, we have developed some tips to help you deal with debt collector harassment. Here are a few of them to consider.
Tip 1: Learn About your Rights
The first thing you should do is learn more about your rights. In Minnesota, debt collectors are regulated by the Fair Debt Collection Practices Act. However, in addition to this, there are state laws that come into play. These laws help protect debtors and make it easier for them to pay back their debts.
Tip 2: Document Everything
To help protect your rights, make sure you are documenting everything. Save all paperwork you receive from your debt collector and keep track of all calls and visits you receive from them. Avoid erasing voicemails and save copies of your monthly phone bill in order to prove how often you are being contacted by the collector.
Tip 3: Get Agreements in Writing
Any agreement you come to should be conducted in writing. This will help you prove that you are following the agreement if needed in the future. However, before you do reach an agreement with a debt collector, make sure you talk to your attorney and have them go over the agreement with you.
To learn more about the best ways to handle debt collector harassment, contact us today. We will be able to determine if your rights are being upheld and what steps you can take legally. With our help, you will be able to see an end to those debt collector calls once and for all.