Real early in the morning, so early that the sun had just barely risen, I heard this pounding at my front door. Being the heavy sleeper that I am I attempted to ignore it and fall back asleep but the banging persisted . Then whomever it was started ringing the doorbell over and over. This was my breaking point, it was just too much noise . Bleary-eyed, I climbed up off my bed and shambled downstairs to open the front door.
And who was it?
It was the prince of Debt collectors informing me personally that I had to pay back this loan I borrowed to assist me with my mortgage right then and right now.
So I have more debt than I can handle . Doesn’t everybody? Debt Collectors’s a viable field of employment and someone does have to go around collecting payments, but is it necessary to be so rude about it due to the fact that you are in debt ? You may think that it is Collection harassment, but its still Collection Harassment if they’re trying to break down your door before the sun’s even come up and you’ve had a chance to properly wake up yet.
It looks as if I am a deadbeat that doesn’t pay his bills. It’s not like that. I’m still paying back all the loans I took out for my college tuition. It isn’t easy and it won’t be done tomorrow, but I’m slowly and surely doing it. I do actually want to make good on all my debts. Nevertheless, I haven’t been able to do it right away but that does not give anyone the permission to treat me like I am scum .
I am a good person . I’m not attempting to hide anything or commit a crime , but that’s precisely how this debt collector is making me feel and I doubt I’m the only one. [spin] I can guarantee that everyone who is experience this type of Collection Harassment is ready to become a criminal | I bet all kinds of people are sick and tired of this type of Collection Harassment.
So I slammed the door in his face and went back upstairs to sleep until my alarm clock went off and I had to get up for work. Later on that evening, I turned on my computer and looked up fair debt collection and found out that my instincts were right. A while back, Congress passed the Fair Debt Collection Practices Act, or FDCPA.
The FDCPA state that a Debt Collectors can only call you at certain times, particularly not before 8 in the morning and not after 9 at night. They also have to identify themselves by name, which my visitor hadn’t. I also learned that he can’t contact me again unless I request that he do so and that, if in writing, I contacted him and the agency he works for saying I can’t pay the debt or that I don’t want them contacting me again then they can’t.
And a Debt Collectors certainly can’t intimidate you or abuse you in any way or use any type of profane speech . This is part of the way everyone should be treated and the way one should handle professional matters, but, it seems that, many Debt Collectors pay no attention to that and the FDCPAws that make it lawfully necessary. The best thing one can do for oneself is educate themselves about the FDCPA and how they can fight against Debt Collectors if they ever cross the line .