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The Truth About Atlantic Recovery Solutions' Colle
The Truth About Atlantic Recovery Solutions' Colle
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mkhan
2 posts
Apr 18, 2025
4:45 AM
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Introduction:
Dealing with debt collection agencies can be a stressful and frustrating experience, especially when you know that you do not owe the debt they are trying to collect. If you find yourself in this situation, it is important to know your rights and understand how to handle the harassment effectively.
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Are You Being Harassed for a Debt You Don’t Owe?
It is not uncommon for debt collectors to make mistakes and pursue individuals for debts that are not theirs. If you are receiving calls, letters, or other forms of communication from a debt collector regarding a debt that you do not owe, there are steps you can take to protect yourself and stop the harassment.
Identifying the Harassment:
The first step is to determine if the debt collection efforts against you constitute harassment. This can include repeated phone calls, threats of legal action, abusive language, or contacting you at unreasonable hours. If you feel that you are being harassed, you have the right to take action to stop it.
Understanding Your Rights:
Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are prohibited from engaging in abusive, deceptive, or unfair practices when attempting to collect a debt. This means they cannot harass you, use false statements, or engage in any other conduct that is designed to intimidate you.
What to Do:
If you believe you are being harassed for a debt you do not owe, it is important to take action. Here are some steps you can take to protect yourself:
Request Validation: Ask the debt collector to provide proof that you owe the debt. They are required to provide you with verification of the debt, including the amount owed and the name of the original creditor.
Dispute the Debt: If you do not believe you owe the debt, you have the right to dispute it. You can send a written dispute to the debt collector explaining why you do not owe the debt.Phone Harassment by Nationwide Recovery Services
Cease Communication: You have the right to request that the debt collector stop contacting you. Send a written request for them to cease communication, and they should only reach out to you to inform you of specific actions they will be taking.
File a Complaint: If the harassment continues despite your efforts to stop it, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or your state's attorney general's office.
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