Sick of debt collectors ringing your phone off the hook and sending intimidating letters? You may not know this, but you have various forms of protection and many techniques available to deal with them.The Fair Debt Collection Practices Act sets guidelines for what debt collectors may or may not legally do when attempting to collect a debt. They can't, for example, call before 8 a.m. Or after 9 p.m., nor threaten to garnish wages in states in which it's illegal, or harass you with continual phone calls if you tell them to stop.
So, you do have rights. Continue reading →