In debt? That doesn’t mean you have to take abuse from debt collectors.

For those in debt, life can be a nightmare. Not only can they feel stressed because of missed mortgage payments or overwhelming credit card debt, but they may also be pressured by harassment by debt collectors.

Many are embarrassed by their situation and, because of this, don’t say anything when a collection agency harasses them. What they don’t know is that this harassment is against the law.

The law gives you rights and protections, even if you’re in debt. You don’t have to take abuse just because you owe money. The Fair Debt Collection Practices Act of 1977 protects consumers from harassment and deception from collection agencies. (This law doesn’t apply to the creditors themselves, however.) [Read more…]