What do I do when a debt collector won’t stop calling me or threatening me?

The Fair Debt Collection Practices Act makes it illegal to call you after 9:00 p.m. and before 8:00 a.m.  Debt collectors may not harass you, threaten you with actions they cannot legally take, lie to you or engage in unfair and deceptive practices.  If you are being harassed, call a consumer attorney.  Low-wage workers can call the Heartland Center free of charge. 

Under the law, you can make a debt collector stop contacting you by sending a cease and desist letter.  You should know, however, that stopping the calls does not make the debt go away. 

Click here to go back to the debt collection main page.