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

If you are being harassed by a debt collector in Tennessee, you should first know that there are laws in place that protect you. The Fair Debt Collection Practices Act (FDCPA) forbids debt collectors from using abusive, unfair, or deceptive practices when they collect debts. For example, debt collectors are not allowed to call you constantly or use profane language. If you receive any type of communication from a debt collector that you believe violates the FDCPA, you can take action. First, you should ask the debt collector to stop the harassment. Address the debt collector by name and let them know that you do not consent to being harassed. You should also explain that you are aware of your rights under the FDCPA. Keep a record of any conversations you have with the debt collector and make sure to request a written explanation of any debt the collector claims you owe. Second, you should consider consulting a consumer protection attorney. A lawyer can advise you on your rights and help you file a complaint against the debt collector with the Federal Trade Commission or your state’s attorney general. Finally, if the debt collector continues to harass you, you can take your case to court. You can file a lawsuit against the debt collector in the appropriate court for violations of the FDCPA. A successful lawsuit may result in a ruling that the debt collector must pay your legal fees and damages. Overall, if you are being harassed by a debt collector, it is important that you know your rights and take action to protect them.

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

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