ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Debt Collectors Abuse of Power

Updated on December 9, 2012

Debt Collectors Calling You?

Debt Collectors driving you Crazy?
Debt Collectors driving you Crazy?

Are you being Abused by Debt Collectors?

In this one of the worst recessions since the Great Depression; it's a terrible feeling when you have to discontinue paying a bill that you had been paying in a timely manner. You may have tried to negotiate an alternative plan with the creditor and they may not have accepted your terms. This is can create a nightmare scenario that will lead to harassing phone calls and letters from Debt Collectors.

Job loss, illness, divorce or other extenuating circumstances may trigger a domino effect that ends with you having to appear in court after you have been sued by a creditor. However, before it gets to that point there are some actions you can take to prevent a judgement. The first thing you must understand are your rights under the laws.

The Federal Trade Commission (FTC), the nation's consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect a debt from you.

Harassment is defined as debt collectors may not harass, oppress or abuse you or any third parties they contact concerning you. A debt collector may not;

  • Use threats of violence of harm;
  • Use abusive language obscenities or profanities
  • Publish the names of people who do not pay their debts (exception is to the credit bureaus)
  • repeatedly call to annoy someone.False statements.

A debt Collector my mislead or lie when they are trying to collect a debt owed. They may not;

  • Falsely claim that you have committed a crime.
  • Claim they are a government representative or an attorney
  • claim they work/represent a credit bureau
  • misrepresent the amount of debt you owe a creditor
  • tell you the papers they are sending you are legal when they are not
  • tell you the papers they are sending you aren't legal if they are.

Debt collectors may not say;

  • they'll seize, garnish, attach or sell your property or wages unless they are allowed by law to take action and intend to do so or;
  • legal action will be taken against or if taking action would be illegal or if they don't intend to take action.

A Debt Collector may not;

  • use a false name
  • give false info to others about you
  • send you a document that looks like an official document from a court of government agency.

Bad and unfair practices;

  • deposit a post dated check early

  • take your property unless it can be done legally

  • contact by postcard

  • try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge;

You should ask debt collectors for a written notice detailing the debt within 5 days

of the initial contact, the notice must include the name of the creditor and how to proceed if you believe you don't owe money.

If you don't want a debt collector to continue to contact you send letter by certified mail with a return receipt to prove it was received.

Know your rights and avoid abuse! Consult an attorney if warranted.


    0 of 8192 characters used
    Post Comment

    No comments yet.


    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

    Show Details
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)