Everyone owes someone money at some point. Most people are honest and hard working and have every good intention of honoring their debts, even when they fall into hard times and get behind. During those hard times, they may receive calls from bill collectors, representing the companies to whom they owe money. Every now and then these efforts cross the line, passing from assertive efforts at collection into harassment. Collectors may call a debtor several times a day, call at all hours, call friends or family members, make threats, use abusive language, call the debtor at work, or even call the debtor’s employer and reveal the status of the debtor’s case.

The above behaviors are not only unethical, they are illegal, and the consumer has rights that can be invoked in those situations. According to the law, if the collector’s speech or tone is disrespectful or undignified, or if their charges are unfair or untrue, they are in violation of anti-harassment laws and action can be taken against them.

It’s important first to verify that the debt is real. People often agree to electronic check or credit card payments just to stop the harassment, but aggressive tactics often mask a fraudulent or mistaken claim. The consumer should ask to see written evidence of the debt, including the amount, interest, and terms of repayment before agreeing to any payment over the phone. If the debt is not legitimate, the caller should be reported to the authorities.

If the debt is real, and the consumer actually does owe the debt, harassing techniques are still not justified. The consumer should write a “Do not call” letter to the company and the collection agency. In this letter, the debtor should include their name and account information, and specific information about when, where, and how they may be contacted. It is a good idea to send this letter by certified mail so that there is proof that the company or collection agency received it.

If this step does not stop the calls, the debtor should record the date, time and content of each phone call. This will prove that harassment is taking place, should the debtor decide to file a complaint against the agent, agency, or company. Debtors do have an obligation to pay their debts, but that should never mean that they are treated badly by collectors or anyone else.