Recently on our legal forum a user asked, “I have gotten myself into a financial bind. It’s partly from overspending but mostly from a job loss and divorce. I am hounded day and night by rude and overly aggressive debt collectors. I know some of them are just doing their job, but I don’t have any money or I would have already paid them. What can I do to stop the phone calls?”
Each year thousands of debtors complain to the Federal Trade Commission (FTC) about violations under the Fair Debt Collection Practices Act (FDCPA). The good news is debtors are wising up to the legal rights they have under the law and are willing to fight against abusive, unfair, or deceptive practices debt collectors have used for years.
Recently on our bankruptcy forum a debtor asked, “I have heard something about a law that protects me against harassing debt collector actions. What is this bill and what can I do to stop debt collectors?”