How to Stop Harassment (Legal Process)
Take legal action to end abusive debt collection
If a debt collector is harassing you, federal and state laws provide powerful tools to make it stop. You have legal rights, and collectors who violate them can face serious consequences including fines and lawsuits.
What Constitutes Harassment?
Under the FDCPA, harassment includes:
Excessive Calls
Calling repeatedly with intent to annoy or harass, or calling at unreasonable hours
Abusive Language
Using obscene, profane, or abusive language in communications
Threats
Threatening violence, harm, arrest, or legal action they can't or won't take
Workplace Contact
Calling your workplace after being told your employer prohibits such calls
Step 1: Send a Cease and Desist Letter
This is your most powerful tool to stop contact. Once received, the collector must stop all communication except to confirm they're stopping or notify you of legal action.
Step 2: File Official Complaints
Report violations to government agencies. This creates an official record and can result in investigations.
Step 3: Consider Legal Action
If harassment continues, you can sue the debt collector for damages.
You Don't Have to Tolerate Harassment
Federal and state laws protect you from abusive debt collection. Use these legal tools to make it stop.