Debtors frequently believe that debt collectors have the upper hand because they owe them money. While it’s true that you owe them money, keep in mind that they owe you fundamental respect.

In 1978, the Federal Trade Commission (FTC) introduced the Fair Debt Collection Practices Act to clarify this concept. The act explicitly sets criteria for debt collectors to use non-abusive, honest, and fair collection techniques by the law.

a violent debt collector shouting and pointing a finger

However, because most debtors are unaware of their rights under the act, many creditors can get away with violating the FDCPA without facing any consequences. Don’t be one of them; here’s how to get annoying debt collectors to pay up.

Notify The  Federal Trade Commission (FTC)

You can also report them to a government agency such as the Consumer Financial Protection Bureau (CFPB) or the Federal Trade Commission (FTC) in addition to suing them.

Your complaint is highlighted, and the agencies will work with you and the creditor to find a solution that works for you and the collector.

Use Their Malpractices To Your Advantage

While no one enjoys being bothered by creditors, if you do find yourself in this circumstance, keep your calm and take advantage of their behavior. When resolving and negotiating a debt, you can use their violation as leverage.

You can pressurize them to fulfill your conditions, and they’ll likely give up because they know they’re wrong and can get into a lawsuit. You are at a greater advantage if you have proof of the transgressions.

a person mistreating another person to collect a debt

Take Them To The Court

If the debt collector isn’t sending you a written notice or harassing you for payments, don’t sit quietly. Sue them for their malpractices and pull them to court. You can go to any court, be it a state court or a small claims court.

The court you choose will be determined by whether or not you want an attorney and whether or not you have the time to pursue lengthy, time-consuming litigation. Both courts have advantages and disadvantages, but in the event of a violation, you should complain against the creditor in one of them.

You’ll not only be able to recover damages, but you’ll also be able to stop them from annoying you in the future. You can also report the creditor to the state attorney general if they violate the rules.

If you believe your creditor is breaking the FDCPA rules but aren’t sure how to proceed, get in touch with American Debt Enders’ licensed credit counselors.

They can assist with their debt relief program and help you understand debt collection under the Fair Debt Collection Practices Act and FDCPA violations by debt collectors done regularly.

Get in touch with us to get your debt management on track.