According to Michigan Attorney General Bill Schuette, debt collector harassment is in fact one of the top consumer complaints. So if you’re on the receiving end of phone calls and letters from debt collectors that just won’t quit, you’re not alone. Sadly, a lot of debt collectors take advantage of the fact that consumers who owe money are equally ashamed of their situations. They engage in harassing or even abusive tactics because they think they can get away with these violations.
However, you don’t have to suffer in silence and take the abuse. Regardless of whether you owe money or not, your rights are protected by law. A federal statute called the Fair Debt Collection Practices Act (FDCPA) strictly prohibits debt collectors from using either harassing or abusive tactics against you.