Can a collection agency be charged with harassment if they were asked to stop sending me mail?

Asked on September 10, 2012 under Bankruptcy Law, Michigan

Answers:

B.H.F., Member, Texas State Bar / FreeAdvice Contributing Attorney

Answered 8 years ago | Contributor

 

You can try to file harassment charges, but most law enforcement agencies won't do much without more-- like threats over the phone that get creepy and scare the consumer. This does not mean that you are without options though. You do have rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Both are federally enforced by the federal trade commission. Each state has similar versions that are usually enforced by state attorney generals. Send the collection agency a certified letter to cease communications with you. If they continue, then file a complaint with the FTC or your state agency for violations of the FDCPA. The site for filing a complaint in Michigan is: http://michigan.gov/ag/0,4534,7-164-17337---,00.html   The site for filing a complaint with the FTC is: https://www.ftccomplaintassistant.gov/     You may also want to have an attorney draft you a simple cease and desist letter.

 


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