Debt Collection Harassment

Your Creditor as Debt Collector

I have been harassed by an overzealous creditor. I understand that the original creditor is exempt from the fair debt collection act.

But how often can the original creditor contact a debtor when they know the debtor has no interest in paying the debt.

Is their a limit or can they just constantly barrage people with repeated calls?

Cedric

I am not so sure that the original creditor is exempt from the Federal Fair Debt Collection Practices Act. Also there may be a state law that applies in your case.

Contact a lawyer, legal aide society or credit counseling service for advice specific to your area.

Read this for more information on dealing with bill collectors.

However, being harassed is the least of your problems. If you don't respond to the collection efforts, you will likely be sued and the creditor will also likely add a charge off to your credit report, neither which is good.

You say you have no interest in paying the debt. That is not a legal defense. If there is a legal defense to the bill, such as shoddy workmanship or fraud, contact a lawyer and get this taken care of before it goes too far.

It is easier to take preventive action rather than to deal with the negative affects that this will have on your credit report.