Many Mississippi residents are currently facing financial struggles. Some may also be experiencing harassment from creditors. Such behavior need not be tolerated because the law protects people against creditor harassment. It is important for someone in debt to know his or her rights and how to stop inappropriate behavior from collection agencies.
Send a written request to halt communications
It can be stressful and frustrating to be harassed by phone calls, sometimes numerous times per day from the same agency. People working in collections often use aggressive tactics to try to “scare” people into sending money. Such tactics might include loud, abrasive speech or profanity and legal threats. One of the first steps a person can take to stop creditor harassment is to send a written notice requesting that communications cease.
This, of course, does not erase a debt. A lender has a right to collect a debt. No one has a right, however, to harass a person who owes someone money. Federal law requires a collection agency to stop contacting someone who has requested in writing that they do so.
Filing a complaint and other legal options
Requesting a cease in communications does not guarantee that creditor harassment will stop. If that is the case, the person being harassed may file a complaint with the Federal Trade Commission. It is also a good idea to speak with a Mississippi attorney who is well-versed in debt litigation issues. Such an attorney can help a client determine a best course of action to resolve creditor harassment.