Creditor Harassment

Unfortunately, most My Debt Relief Online customers are not strangers to credit harassment. If your creditors are harassing you, learn your rights with our helpful guide.

Legislation on Creditor Harassment

We know at My Debt Relief Online how unsettling aggressive collection tactics can be for our customers, which is why we want you to know your rights concerning the matter. The Fair Debt Collection Practices Act affords you certain rights when it comes to debt collection and expressly prohibits your creditors from engaging in certain tactics. Keep in mind that when you sign up for My Debt Relief Online services, you can also stop harassing creditors because we deal with them for you. Here is what your creditors can and cannot do according to the law:

• Can call you between 8 AM - 9 PM your time
• Can contact your friends, employer, or family to determine your whereabouts (contact information). Cannot reveal to these people that you owe debts.
• Cannot contact you after you've requested in writing that they no longer do so. After your request, they can only contact you to let you know they have given up or that they are taking further action (like getting a judgment against you).
• Cannot harass or abuse you, which includes using threats or foul language
• Cannot falsely represent themselves as a government or credit bureau agent
• Can take legal action to get a judgment against you to garnish your wages
• Cannot advertise/publish you as a delinquent debtor in any way
• Charge only interest and fees permitted by law