I received a call yesterday from a friend that ask me about harassment from bill collectors.Her situation was quite interesting. She called the company to come and get her car, because she could no longer afford the car. The company refuses to come and pick up the car and is harassing her for payment. Also, ruining her credit with the loan. She basically did a voluntary repossession. They call her own her job and visited her mothers house looking for her to pay the loan. They will NOT come and pick up the car.Just to let you know you have rights and our country is in a mess right now.Although, we are seeing changes, it will be awhile before many of us recover.I truly believe NO consumer should be harassed by companies during this time.You have several rights that protect you as a consumer. Make sure you review the Debt Collection Practices Act. I will be posting more about this later. However, if you are being harassed. Write the company a letter to stop harassing you and send it out certified mail. Explain in the letter that you ONLY want to communicate via mail.They have certain rights as well. However, they can only call you after 8 am and before 9 p.m. If they are calling you in the correct time frame it is o.k. UNLESS you notify them not to call you.On a finally note, just because they stop calling or harassing you, YOU still owe them. So try and pay your bill to improve your credit rating.****Remember you have six months to pay a bill BEFORE they can legally report the debt to your credit file.Make sure you read prior bogs to find out more about your rights.Good luck and I hope this helps.
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