What should I do if I’m being harassed or threatened by a debt collector?

If you’re being harassed or threatened by a debt collector in Colorado, it is important to take action. According to the Fair Debt Collection Practices Act, debt collectors must stop harassing you and respect your legal rights as a consumer. In Colorado, it is illegal for debt collectors to threaten to harm you, your property, or your reputation. It is also illegal for them to distribute any false or misleading information about you to anyone else. The first thing you should do if a debt collector is harassing or threatening you is to document all communication with the debt collector. Note the date, time, and content of the conversation or communication. Make sure you keep any written communication, like letters or emails, from the debt collector. Then, contact your creditor. Let them know what is going on and ask if they can assist in resolving the issue. If the creditor is unresponsive or unwilling to help, you can file a complaint with the Federal Trade Commission. In addition, you can contact the Colorado Attorney General’s Office and report the debt collector. Lastly, contact an attorney who specializes in debt collection law. They can provide legal advice on how to respond to the debt collector and help protect your rights. A lawyer can also inform you about any applicable state and federal laws that you may be able to use to protect yourself.

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What should I do if I’m being harassed or threatened by a debt collector?

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