Hassled by Creditors?

The Fair Debt Collection Practices Act is a federallaw that protects consumers against unfair debtcollection practices and creditors who harass,embarrass, and intimidate debtors into paying.

Generally, a creditor can't contact you at yourplace of business as long as you instruct them notto do so. If you are contacted at work, request thename and address of the person contacting you sothat you can send written notification to the creditor.Always keep copies.

Creditors also may not contact you at any placebefore 9 AM or after 8 PM. Creditors may not contactyou if you are represented by an attorney. Federallaw also limits the information they can obtainfrom your friends and neighbors.

If creditors are contacting you improperly, it isimportant that you get the name of the personmaking the call, the person whom the caller represents,and the date and time of the call. Federal lawprovides penalties for creditors who do not complywith these laws. For more information, visitwww.fair-debt-collection.com.