Can I Fight Back Against Harassing Bill Collectors?

28 Sep Can I Fight Back Against Harassing Bill Collectors?

News channel 5 in Nashville reports that Randy Falkner fought back. First Faulkner sent the collection agency a certified letter asking them to stop calling. Federal law requires collectors to stop making the calls.

But the calls continued, so Falkner decided to call them back, and back, and back – until they stopped.

The station quoted Falkner as saying, “I figured if they harass me, why can’t I harass them? I figured they’re calling me 3 or 4 times a day, I can call them 100 times a day.”

Faulkner did get a visit from the police. He freely admitted to calling the bill collector 100 times. The officers left after he showed them his letter telling the collectors to stop.

Eventually, the bill collectors gave up, and Randy Falkner got what the peace he wanted.

Maybe harassing the harassers is not the best method, but you don’t have to take it lying down. Instead, you can:

1. Write a letter to the bill collector that is calling you. Tell them that you are making a request for them to immediately cease all communication with you regarding your debt according to “THE FAIR DEBT COLLECTION PRACTICES ACT”.

2. Send the letter via Certified mail. This is for you to have a record of them receiving it.

3. The calls should stop.

If the calls persist, contact a consumer rights or bankruptcy attorney, or call your state’s Attorney General’s office.


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Peter Orville is a bankruptcy lawyer in Binghamton, located in the Southern Tier of New York. He is a member and New York co-chair of the National Association of Consumer Bankruptcy Attorneys.
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