If you believe you have experienced a violation of any of the regulations listed above, there a few steps you can take to end harassment from a debt collector. First, you should contact the collection agency directly and ask them to stop contacting you. At Convergent Outsourcing, we try to make this process as easy as possible by providing an online contact form with which you can make a complaint or request to be added to our Do Not Call list.
If contacting the agency directly did not provide any results, your next step is to file a complaint with the Better Business Bureau, your state’s Attorney General or the Consumer Financial Protection Bureau. The last two are government organizations that can enforce the laws outlined in the FDCPA and will assist you in dealing with debt collectors that have stepped out of line.
Finally, in extreme cases there is the option to take legal action, but this should be a last resort. Dealing with any kind of lawsuit is time consuming, stressful, complicated and may end up costing you money.
