What should I do if I am being harassed by a debt collector?

If you are being harassed by a debt collector in North Carolina, it is important to take action to protect yourself. The first thing you should do is keep records of all communication with the debt collector, including phone calls, emails, and letters. You may also want to consider keeping a log of all interactions. In North Carolina, debt collectors are subject to the Fair Debt Collection Practices Act (FDCPA). This law prohibits certain types of behavior by debt collectors, such as calling before 8:00 am or after 9:00 pm, use of profane language, or calling repeatedly. If you can show that the debt collector is in violation of the FDCPA, you can take legal action. It may also be helpful to send a certified letter to the debt collector with a request to stop communication and collection activity. This will put the debt collector on notice that you are aware of your rights and that you will take action if they continue to harass you. You can also contact the Federal Trade Commission (FTC) for assistance. The FTC enforces the FDCPA and can help you file a complaint against the debt collector. Finally, you should consider speaking to a lawyer. An experienced attorney can help you to understand your rights and take the necessary legal action to protect yourself.

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What should I do if I am being harassed by a debt collector?

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