Calling you after 9 p.m. or before 8 a.m.


Debt collection harassment in Sarasota or anywhere else for that matter is never a pleasantry, and it’s important to know the legitimate way collectors should be contacting you. It’s important to know that debt collectors are allowed to contact you about the debts that you may owe, for instance your credit card company may call to remind you that you have not made the minimum necessary payment to keep your account from defaulting. This process makes knowing your rights when it comes to debt collection very important.


Debt collectors have an ample amount of regulations they are required to follow when calling to resolve your debt. Amongst those guidelines that they have to adhere to include, calling you at times that are knowingly inconvenient. For example, before 8 am or after 9 pm, is forbidden unless they have received your consent to make such late night or early morning calls.


Once you are on the phone with a debt collector there a few steps you can follow to make the conversation more cordial. First step, don’t panic you have an extensive amount of rights here. When speaking to a debt collector, request to receive the information in writing, it’s always helpful to have information about someone is claiming that you owe in front of you before engaging in a conversation regarding it.


Once you receive your debt information, it is crucial to take time and review it. If you notice a discrepancy, you can dispute it, also in writing, typically within 30 days of first receiving it. Make sure to keep record of this entire procedure. Document all phone calls, messages, and notices. Having a paper trail could be essential if the debt collector violates the law. Do not rely upon the debt collector to accurately document the content of your conversations.


When you’re dealing with debt collectors it is important to be aware of your rights as a citizen. Although avoiding them may seem like the simplest solution, you should not hide from them. You are allowed to tell a collector to stop calling, even if the caller is not breaking any laws at the moment. You have the right to draw the line in the sand and tell a collector to cease and desist communications with you.


If you are repeatedly dealing with debt collection harassment, it may be time to look into hiring a lawyer to fight back. Elkin-Peck PLLC servicing Sarasota knows your rights and can lend a hand to stop your debt collector harassment.