How to Fight Creditor Harassment

Do you have creditors who won't leave you alone? Michigan has clear rules about what collection companies are and are not allowed to do. But that doesn't mean they are followed. Find out what you can do to help fight creditor harassment and get the collection companies off your back.

Limit Your Exposure

Creditors will try to get to you every way possible, including phone, email, and physical mail. Under federal and Michigan Consumer Protection laws, creditors are not supposed to call you at work or on your cell phone (unless you give them express permission). If they do, tell them to remove the number and only contact you at home.

Keep a Log

Even after you warn creditors, they might still call you when they're not supposed to. Get a notebook and write down each time they call you at work, on your cell phone, or outside reasonable hours. For each call, write down the date, time, and company that made the call. Your consumer protection attorney can use that log to file charges against the collections companies and get them to stop calling.

Listen For Autodialers

As you are making your log, listen for the tell-tale signs of autodialers – recorded messages, delayed pick ups, and clicks on the line. These techniques are usually illegal, but many credit companies use them anyway.

Hire a Consumer Protection Attorney

Creditor harassment is a problem in part because not enough consumers know to stand up to the collections companies. If you feel like you are being targeted or your creditors are breaking the law, contact a trusted consumer protection attorney like Dani K. Liblang of the Liblang Law Firm, P.C. By getting an attorney in your corner early, you can stop the harassing phone calls and get the creditors off your back. If your phone won't stop ringing, contact the Liblang Law Firm, P.C., today to schedule a free consultation.