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How can I deal with harassment from creditors?

If you are being harassed by creditors in Ohio, you may be wondering what you can do to put a stop it. To this end, you should know that you have rights when it comes to the methods creditors use to pursue outstanding debts. This knowledge can help you deal with creditor harassment, as well as get your finances back on track.

Marketplace.org offers a few useful tips for dealing with aggressive creditors. First and foremost, it is fully within in your rights to ask creditors contacting you for identifying information. Creditors are not allowed to make calls anonymously, and as a result, they must provide you with their name as well as the name of the agency they are calling on behalf of. Creditors must also speak to you with respect and civility. Any foul or aggressive language is not permitted under current laws.

You also have the right to dispute any debts that you find fault with. In this case, you will need to supply a written correspondence, for which you must receive a confirmation of receipt from the collection agency. Your right to dispute a claim must be provided to you by the creditor during any communications regarding your debt.

Additionally, avoiding the issue is bound to only exacerbate attempts to retrieve past debt. That’s why you must remain in communication with creditors, which can help keep harassment from ramping up. This is especially important when it comes to verifying a debt amount. Your creditor could be working with inaccurate information, or may be in pursuit of a completely different person. Providing the correct information will clear up any misconceptions a creditor might have regarding your debt. 

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