Credit card debt collection is a big business. There are millions of dollars every year from thousands of accounts that go to collection agencies for delinquency. Being in debt is never easy and it's a very stressful time. You may receive several phone calls a day from each one of the credit card debt collection agencies for each one of your accounts.



There certain things to remember while handling a credit card debt collection creditor when they call .

?Track the call & note identification if any

?Note down name of the caller

?Collection agency they are from

?The account number and client for this debt.

?And also write down the date and time they call

Debt collectors can't call you more then perhaps twice a month. But If you start getting daily calls, or calls that are several times a day or you may be entitled to $1,000 (or more) compensation under the federal Fair Debt Collection Practices law.

The Fair Debt Collection Practices Act (FDCPA) was established to protect the consumer from harassing and illegal tactics used by unethical and unscrupulous debt collectors. The act does not apply to the original creditor but does apply to someone other than the original creditor who tries to collect on the debt.

The law says bill collectors must tell the truth, be respectful to you, and stop contacting you when you have a lawyer. They also have to send you a written notice containing certain warnings within 5 days after the debt collector's first contact with you. The notice must tell you:

1.How much you owe

2.Who you owe the money to

3.What to do if you believe that you do not owe the money.

If you don't owe the bill, then you should send a dispute letter saying Tell Me Why I Owe It! within 30 days. . Once you dispute it, the bill collector isn't allowed to contact you again except to tell you that they are going to stop contacting you or that you are going to get sued over the debt.

If you have been harassed by a debt collector, you may be entitled to $1,000 (or more) compensation whether you owe the money or not. If you don't even owe the money, then your case is probably even better! Call us at 1-800-875-3666 or email us today for a Free Debt Collection Case Review!

What to Do If You're Harassed or Abused by a Bill Collector

* save all letters and notices from any bill collector

* save all voice mail and telephone messages

* take notes of all phone calls, including date and time and what was said

* send them a ?Tell Me Why I Owe It? letter

* Call us for a Free Case Review. 1-800-875-3666 or email us today to help you get compensation .