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Debt Collector Harassment – The Health Implications and How to Stop It When the market is in decline and job losses have a severe financial impact on millions of people, a lot of people find themselves in a predicament where they are unable to manage their debt. The recent financial crisis has made it even more challenging for individuals to pay their invoices. If you’ve experienced debt problems, and therefore are being harassed by debt collectors, then you know of how it can affect your emotional and physical wellbeing. Dealing with a vicious debt collector may be an extremely stressful experience. Regrettably, debt collectors have come to be even more dishonest and heavy-handed when creating collection phone calls Collectors who abuse debtors will take part in such activity as risks, and phoning in the evenings, afternoons, and at night several times each day. They’ll also use profanity and call people nasty names. They are even able to participate in such harassing action with a debtors household and employer that may lead to a strain on relationships and also run the risk of job conclusion. This type of harassment can have a serious effect on the health. It can lead to a constant state of high anxiety, stress, and raise the blood pressure. It can also induce depression, loss of appetite, loss of sleep, and migraines. At the same time, it may increase irritability and place a serious strain on relationships. The best thing people can do for their health and wellbeing would be to stop the harassment.
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Although it’s the law which a debt collector should stop calling people who send a letter instructing them to do so, there are lots of collectors that willfully ignore this legislation. The Federal Fair Debt Collection Practices Act was created to avoid debt collectors from harassing, threatening, and clinging to their own debtors. When a collector violates the act and engages in bad behavior, the first step you should take is trying to resolve the matter. You need to attempt and organize a reasonable repayment plan. You also need to request a copy of your debt statement so you can review it for accuracy. If the collector is reluctant to work with you and also the calls continue, you should mail them a letter telling them to quit calling. In legal terms, this is known as a ‘cease and desist’ letter.
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After trying to resolve the issue through negotiation and writing a letter Instructing them to stop, and the calls continue, the next step is to meet with an attorney who’s well versed in ‘fair debt collections. ‘US’ law mandates that when a debtor has a lawyer, the debt lender must stop contacting The debtor and speak only with their lawyer. Also, if the lawyer finds that the debt collector has violated the Fair Debt Collection Practices Act, they might suggest taking civil actions against the collections agency. Should you proceed with lawsuit against the debt collector, then you should keep a hand written record of this harassment for example when they called, period of this call, the period of the telephone, and exactly what the collector stated during the telephone. It could be extremely valuable to record the telephone calls.