Brian Hill (Guest) - daniel, i bet you never stopped to realize, that most of the people today who are trying to "avoid" these debt collectors, once had the money to pay off the things that they had bought with credit cards. but seeing how this recession has caused many americans to either lose their jobs, or take a pay cut, it became almost impossible to pay of the debts that they have been able to pay off in the past. Yes, in some aspects, you're correct, a lot of people are trying to weasle their ways out of paying back the money they "borrowed", doing anything they can to work around the system, but what you failed to realize is that there are people out there that once had high paying jobs, that could pay for what the bought. So no, for these people, they didn't "steal" any money, the lack of seeing into the future pretty much sums up why nobody knew the stock market was going to crash, hense, why nobody stopped spending.

Kutti (Guest) - The rise of collection law firms. In the past, people often were given the advice not to talk to debt collectors -- to simply hang up when they called. The idea was that anything you said could be used against you, so it was better to say nothing.

These days, however, people who refuse to talk to collectors may be more likely to get sued.

"More creditors are working with collection law firms," as opposed to regular collection agencies, said credit expert Gerri Detweiler, author of several books on savings and debt. "If you don't respond, you could run the risk of triggering a lawsuit."

While collection agencies can hassle you and report your bad debts to credit bureaus, they have to hire a law firm to actually sue you and garnishee your paychecks. Collection law firms can skip the middleman, making them much quicker to sue.

StopDebtCollectors (Guest) - Great article. BTW, to Daniel: In this economy, are you really going to sit there and call people "losers" for not being able to pay their bills, when unemployment has reached levels that have not been so high since the Great Depression? Are you not in touch with reality?

When debt collectors call and make illegal threats, or step outside of the law in any way, then they are the ones breaking the law.

And there is a reason they call it "unsecured debt..." Because it is lent with the specific knowledge up front that there is NO guarantee of it being repaid - hence "unsecured..."

No one I know that has ever been harassed by Debt Collectors had gotten into that position because they WANTED to or INTENDED not to pay their debt back. People lose jobs, lose businesses, and worse. So get off your ridiculous high-horse and just wait until your financial security becomes jeopardized in some way. You'll regret your words.

For anyone looking for amunition against debt collector thugs, check out this site about how to stop debt collectors.

Debit Collection Lawyer (Guest) - Getting a credit report was simple, whats with...one time each month) and the 2,000 in credit card debt. they did say i ...few documents , but will this solve the problem? has this happened to you are, Debt collection lawyer should solve  the problem. If it doesn't, then contact each CRA still refusing to send your reports and request to be transferred.

robert (Guest) - Abuse? The debt collection companies need to be shutdown anyway . How do they think that calling and telling you that we'll embarrass you on your job and call your neighbors and tell them that you are a dead beat etc... I have had them tell me this before . phoenix credit solutions  told my wife "WE WILL GET YOU" !! Now they are trying to get a court order to take property on an unsecured credit card. They already froze her bank account and we have not figured out how they did this. In nc you cannot do this on an unsecured debt. Could anybody tell me how they did this?

Daniel (Guest) - In my opinion anyone who uses the FDCPA to sue a collection company is very dishonest. Are you really gonna sue a company just for trying to recover the money that you borrowed without the intention of paying back? Just think back to when you were making the purchases on the credit card, you got that brand new big screen, made some home improvements, or just used the money for living expenses. The point is you borrowed money and now your looking for any excuse to not pay it back. Last time I checked borrowing money and not paying it back is stealing. When a collection company calls you do you have to let it go to voice mail, or do you just hang up as soon as the collector tells you what company he/she is calling from? If you answered yes to either of these questions than you have borrowed money wirthout the intention of paying it back, and therefore you are a theif. A better word for it might be loser. Get life together, pay your bills, stop looking for excuses, become an example for your children and grandchildren. STOP STEALING MONEY!

babecollector - thats true that some debt collectors are actually abusive. But thanks for the info, i didnt know that we can do something about it

- IT IS SOO NICE.

- can we complain about it to main branch or to rbi?

anne_20002002 - good info. thanks for sharing

tenchi18ph - thanks for sharing this info... It really helps.

- Thanks for sharing this info. Great article. Keep it up.

- ITS  REALLY WORKS.

Purnendu - really wonderfull

kongpeng - I knew

- ¦:-•:*'""*:•.-:¦:-Thank you for sharing >^..^< Great Review!!! -:¦:-•:*””'*•-:|:-

oxygen02 - Great post!

oxygen02 - You have great article.

- good review.thanks

jdmanuel - "Call you before 8am or after 9pm" This is the very annoying if some one called you wants you to remind your debt! Thanks for sharing..

- well what if they do and you don't know where to complain as bank will always take their sides???

djonghs - I like it, thanks a lot.

- very helpful article thanks.........

tekie.tony - the things you listed are among the most common things they do . often in news papers its published the people have been beaten up and were bullied for a long period of time before.

- good articles

shinkai03 - nice post!

shinkai03 - great article.

Skypher - I know how to stop them. Pay off your debts!

- There is a huge list of what they can't do..but trust me..they do every hting mentioned in the list.

rizzy - Debtors shouldn't be afraid of the collectors. Glad to know there are rules and regulations that cover this area. Debtors can benefit from these article so as not to be harassed by others.

- a good article ..........thanks..........

vivianchen - i like this article!

- this is informative. some of those in the list is new to me.
thanks for sharing.

- THANK you your tips!!

- good info. i hope we have the same here in our country.

oreocookie3 - Very informative article to teach us what bill collectors cannot do. It is good to know what they can and cannot do, and that we, the consumer are protected under law from being abused and harassed.

schoolboy - Great article!

- very helpfull than you very much

- Very good , tecnique is very helpful, thanks very much

yvonnetorres - This article is really very helpful for us to know if collectors are already violating our rights.

danielz07 - Nice decisions and suggestions... Great articles...

- Very good technique to escape it.

froggpond - Great article Thanks for sharing

- very helf me...great .

kiran8 - It was helpful to read the article and the comments as well..

newfriend01 - Good. Instead of give them i will hoarding my money for other purpose. And last thax for can or can't do by debt collectors

sikat - Nice article. A way to avoid the debt collector is to start paying off your debt.

ira10 - Very helpful! Now, I know what they cannot do ... thank you!

Jack.co - Ok guys !! Just wants to let you know that I m a bill collector myself and I m one of the licensed bill collectors of Texas. Who ever rote this article just copied it from other site and posted it !

That is not the truth. The conditions apply to the type of Debt you have and the type of contract you signed when you were taking out this loan. I have been doing Bill Collections for the past 5 years now and guess what ?? According to Federal Law we are to supposed to call any number we want to !!

But being a Bill Collector I would tell you the honest way to help your self and stop Bill Collectors calling you !! Regardless of how much do you as a bad Debt work something out and make at least a $50 payment once in a month. According to Federal Law ! We are supposed to follow the instructions of the Debtors only incase we have a payment on that account !!

You can also ask if you have any questions in mind

- in the blog 15 rules are helpful.

- Its like you read out the debt collectors mind..such a good article.. thanks

- good review........ very helpful. thank's

- very very helpful, hopefully useful, thanks for your information, it is very valuable and important for me

- this is a good one. actually very helpful and informative; this will help people know their rights as well as to not being harrassed too often and thinking there is nothing we can do since we are in debt to that particular institution.

ellie26 - I was in that situation a few years back where the debt collector will call me at home or leave messages at my office.  It really gave a hell lot of stress.  There were things that they did in your list which I didn't know they shouldn't do to customers.  Thank you for your information.

- It is nice to know that there are  fair  debt collection practices act (FDCPA). At least there this act that can protect us consumer from those abusive debt collector. Of course everyone must pay their dues and don't want to be burden by debt.But this Debt collector should know when and where is the right time and place to do their job.

akhil4u6 - just cry if u dont find a way to stop them calling you..you wil never be called again...haha

vivianchen - Good pionts! Thanks for sharing. I will be careful for that as well.

- If you recieve any of these above mentioned threats from collectors, where you can complain them?

- ¦:-•:*'""*:•.-:¦:-Thank you >^..^< Great Review!!! -:¦:-•:*””'*•-:|:-

Jokershinobi - great artycle ;)... from now on i will be more carefull

niitesh - Plenty of laws are there to protect our rights we just need to be aware of them

sophie_dfuss - Great and relevant article.

- Thx for the article i tottaly appriciate you on this article

Cfrance - Debt collectors can be ruthless. thanks for the information. Years ago I had a collector call and tell my Husband that he was going to throw him out on the street and get his wife(me) to leave him and My husband would lose his kids. Thanks for writing this article. It will help alot of people out.

- Very informative post. A friend of mine have encountered in the past credit card collectors who harrassed her. The collectors kept on calling her in the office and even threatened her that she will be out of job if she will not pay her debt. This post will be helpful to her.

- Mine threatened to get access to my bank account. Not that I had anything in it, but I was puzzled. I was so stressed at that time that I believed he actually could get access to my account. Frightening times, best forgotten!

- thanks to share a great information on how to stop debt collector harrassment.

- This is a great source of information for anyone who has questions about collection calls.  Knowledge is power and there is no reason to tolerate any collectors that are not following the Fair Debt Collection Practices Act.  

-  Though ,most of the Governments are against them and favor to the customers, they used to follow the same again and again.Even then  all of the governments are not preventing it I think law is only for poor and not for others