Creditors are notoriously persistent when it comes to attempting to collect from borrowers. This is only exacerbated if you fall behind on payments of go into default on the debt. While it is legal and reasonable for creditors to contact you and initiate a discussion, there are certain standards that prevent them from taking actions that may qualify as harassment. The Fair Debt Collections Practices Act outlines these regulations in detail. If you have experienced any of these four issues, you may be a victim of creditor harassment.
Minnesota residents who are suffering from overwhelming debt may be interested in ways to fight against creditor harassment. Making the proper requests on time can help to avoid harassing phone calls, particularly when a debt is not legitimate.