If you have been getting calls from credit card collection agencies, you need to know how to protect yourself from harassment. Debt collection companies have strict laws they are supposed to follow, but some collectors choose to ignore these laws. Learning about credit card collection laws can help you fight back if you are being harassed by one or more collectors.
If a credit card collection agency is calling you at work, calling you in the middle of the night or before your waking hours, brushing up on your rights will help you deal with them. While the credit card collection process allows collectors to contact you on numbers you have supplied, they must stop calling you at work if you notify them that you are not allowed to receive calls.
Any time a credit card collection agency contacts you or attempts to collect a debt you need to confirm that the debt is actually yours. A collector will always tell you that the debt they are calling about is yours and is valid. They don’t really care if the debt really belongs to you, they simply want to be paid.
When you receive any form of contact from a debt collector it is a good idea to contact them in writing and request validation, or proof of the debt. You will have to send a letter via regular mail, but they are supposed to provide you with proof of the debt or cease collection activity if they cannot. Include a request to be contacted in writing only when you send your letter, and any troubling calls should cease.
Investigate any debt a collector calls or contacts you about. The debt may not be valid, it may be out of the credit card statute of limitations, or you may be an unwitting victim of identity theft. Keeping track of what is on your credit report is important if you plan on making large purchases or buying a home.
Your credit card collection rights include the right to be contacted by mail instead of by phone. If constant credit card collection calls are a problem for you, send each collector a letter via registered mail letting them know you only want to be contacted in writing. This is a good practice even if you are not getting calls at work, because you will have a written record of the collection activity.
Annoying phone calls are just one of a host of credit card collection tactics debt collectors may try to get you to pay them. They will not care if the debt is really yours, or if the debt has passed the credit card collection statute of limitations for your state. You do not have to tolerate credit card collection harassment, you absolutely do not have to talk to collectors on the phone if you choose not to.
Get to know the credit card collection law and the consumer protections it provides. By becoming more informed about credit card debt collections you can protect yourself from unscrupulous collectors.