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

If you are being harassed by debt collectors in North Carolina, you may be able to take legal action. Under the Credit Card Dispute Resolution Law in North Carolina, it is illegal for debt collectors to engage in certain activities such as making repeated calls, using obscene or abusive language, or making false threats about filing a lawsuit. If you believe that you are being harassed by a debt collector, you can file a complaint with the North Carolina Department of Justice. You can submit a complaint online or by mail. Additionally, you can file a formal complaint with the Federal Trade Commission (FTC). The FTC has a form online which you can use to submit a complaint. It is important to keep a record of all of your correspondence with the debt collector, including any phone calls. This can include notes of dates and times of the calls, as well as any messages left. Also be sure to save copies of any emails or letters from the debt collector. This can be helpful if you need to file a complaint in the future. It is also important to remember that a debt collector can only legally collect a debt that you actually owe. If you dispute the debt, the debt collector may not be able to collect it without proof. If you believe a debt collector is engaging in unfair or illegal tactics, you should contact an attorney for advice.

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

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