These days, creditor harassment or collection agency harassment is such a term that is more or less known to everybody. Once people started getting buried more and more into the quagmire of debt, they came in close harmony with the term as harassments got increased. However, providing consumers with some sort of relief, the FTC enacted the Fair Debt Collection Practices Act (FDCPA). As per this act, when a debt collection procedure is obvious, a collection enthusiast cannot act or undertake certain ways that is redundant, domineering or harassing in nature and connected with the assortment of a debt. Below are a few examples of the debt collection harassments that the debt burdened natives face almost every single day:

1. Threats of violence or harm to your reputation or property
2. Use of obscene or abusive language
3. Publication of a list of the debtors who fail to repay the debts incurred
4. Announcement of sale of any debt incurred to force repayment
5. Making repeated and prolonged telephone calls with the intention to annoy abuse or harass the debtor.
6. Making calls without proper disclosure of the of the caller's identity.
7. False representation of the amount or the status of the debt
8. Conveying messages like nonpayment of the debt will result in arrest, imprisonment, wage garnishment, seizure or sale of property when they don't intend to take the action.

If any collection enthusiast breaks your rights as a consumer in any of the above mentioned ways, you are allowed to make a complaint against that enthusiast with the Federal Trade Commission (FTC), and the FTC will examine the abuse thoroughly and take necessary steps against the enthusiast.

Explanation:

Lender following is simply a bank or other credit group functions in such a manner that is unwelcomed, oppressive or unnecessary in a relationship with the selection of a debt. As they are just trying to collect the debts, creditor following does not necessarily fall under the Fair Debt Collection Practices Act (FDCPA). However, there are a lot other credit regulations or acts that secure you.

If any creditor, collection agency or similar group breaks your consumer privileges, you have the right to report their activities either with the FTC or the state attorney general's office. However, if you want to see the case turning on your side, you have to present yourself and your allegation with robust and sufficient evidence. Otherwise, you can lose the case and be befooled out of your money.

Get a help while fighting creditor harassment

Harassment by collection agencies or creditors is just a symptom of a major problem that is about to come in your life. Avoiding these won't help in any way. You should get help of or consult some fellow who has sound experience of dealing with collection agencies. You can also get professional help from a law firm. They are knowledgeable and experienced in the field, and as they will be taking fees from you, it is obvious that they will certainly look after your interest. You can also get help of some credit counseling agency to give a boost to your household budgeting so that you can pay off the debts in a more effective manner.