All too often, debt collectors use questionable or deceptive tactics to bully you into making a payment. These tactics may be illegal under federal and/or state law. If you have received violating letters, phone calls, or text messages from a collector, legal action may be taken against the collector, usually at no cost.

Collection calls may be upsetting and disruptive. If the calls come at inconvenient times, you can ask that the collector contact you during certain hours of the day. It is important to document collection calls with date, time of day, name of collector, caller ID, and details of the phone conversation or message.

Collectors must stop calling or sending collection notices if you send them a Cease & Desist letter. This letter does not make the debt go away. Often, the collection will be assigned to a new agency or law firm to attempt collection.