Trouble with debt collection agencies top the list of complaints to the Consumer Financial Protection Bureau.
According to the CFPB, the first thing you should do after a debt collection service contacts you is send a written response. They have sample letters for you to use on their website.
It’s important to respond as soon as possible after they first contact you. Keep copies of any letters you send.
The CFPB also says if you’re being sued or think you'll be sued, don’t mess around. Get a lawyer.
You do have some protections when it comes to dealing with these collection services. Laws prevent them from harassing you. Harassment could be repeated phone calls meant to annoy you, use of obscene language or threats of violence. If you think you are being harassed by a debt collector, report it to the CFPB here.
