What can I do if I am being harassed by debt collectors?

If you are being harassed by debt collectors in the state of Minnesota, there are a few steps you can take to protect your rights and try to resolve the situation. First, contact the debt collector in writing and ask them to stop contacting you. Tell them that you are aware of your rights under the Credit Card Dispute Resolution Law and ask them to only contact you regarding the debt in writing. If the harassment continues, you can request a Creditor Abuse Investigation from the Minnesota Department of Commerce. They will investigate the debt collector for violation of Minnesota’s Credit Card Dispute Resolution law. If the debt collector is found to be in violation, they may be fined and/or required to cease contacting you. You can also file a complaint with the Federal Trade Commission (FTC). The FTC has jurisdiction over the activities of debt collectors and can investigate any violations of the Fair Debt Collection Practices Act. And finally, you can sue the debt collector for harassment in small claims court. In Minnesota, you can sue up to $15,000 in small claims court, and you may be entitled to up to three times the amount you are owed, plus attorney’s fees and court costs. It is important to remember that you have legal rights when it comes to debt collection, and if you are being harassed, you have options.

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What can I do if I am being harassed by debt collectors?

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