3 creditor harassment tactics (and how to deal with them)

However, if you still receive phone calls and emails threatening you, then there is action you can take. You may be able to pursue a claim against them for violating the automatic stay.

Pay attention to the most common signs of harassment because no one should have to deal with abuse. 

1. Making harassing phone calls

Harassment takes many forms. The collector may call at inconvenient times, such as around dinner or late at night. It can also involve calling you at your place of work even if you never gave the person your work phone number. You should take notes of the times the collector contacts you. Once you hire an attorney to represent you, a collector must stop contacting you and only communicate with your lawyer. If you have an attorney, then inform the collector. 

2. Making threats

Harassment can also involve the precise language the collector uses to try to get you to pay. Collectors may threaten to sue you, garnish your wages or send you to jail for unpaid debts. You do not have to worry about the police going after you. Debt collection is a civil matter, not criminal. Wage garnishment may be possible, but you can speak with your attorney about whether the collection agency can legally do that against you. 

3. Calling family members, coworkers and neighbors

Some debt collectors may try to get you to pay by contacting those close to you in an attempt to embarrass you. It is not necessarily illegal, but you can write the agency a letter telling them to stop the practice. Keep a copy of this letter for your personal records. You may be able to take legal action if the agency continues contacting family members after you told it to stop. 



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