Creditor Harassment
When you are in debt the tactics that some creditors use to get you to pay are in direct violation of the Fair Debt Collection Practice Act. Some times you will be threatened with:
- Being sued: You can only be sued if the original creditor authorizes it. A third party collection agency cannot initiate legal action against you. Some creditors will always give permission to sue but it usually is not the case
- Being sent to jail: You cannot be threatened with going to jail by a creditor, it is illegal under the fair debt collection act. When threatened like this, simply take notes on who is threatening you and look into taking action against them.
- Being audited by the IRS: Being audited by the IRS for personal debt is simply not possible using fair debt collections, not to mention illegal under the Fair Debt Collection Practice Act. Once again, find out who is threatening.