How do I stop a debt collector from harassing me?

The first step to prevent debt collectors from harassing you in Virginia is to understand the rights granted to consumers under the Consumer Debt Defense Law. This law outlines legal protections for Virginians who are in debt, and it is important to be aware of these rights. The law states that debt collectors must refrain from using any communication which is considered to be harassing, oppressive or abusive. Such communication includes threats of violence, making contact with you at inconvenient times or places, or using profane language or obscene gestures. It is important that all communication is conducted in writing, as debt collectors may not call you or threaten to use legal action unless they have written authorization. You should also request that the debt collector provide you with written proof of the debt they are claiming that you owe, and you have the right to dispute any charges or inaccuracies in this information. If a debt collector continues to harass you after you’ve informed them of your rights, you can file a complaint with the Consumer Financial Protection Bureau. You should also document all communication with the debt collector and keep copies of all documents that are related to the debt. By understanding your rights and following the appropriate steps, you can stop a debt collector from harassing you in Virginia.

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How do I stop a debt collector from harassing me?

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