Ever find yourself in the intimidating position of dealing with a collector? Collectors can be very intimidating and persuasive, especially if you don’t know your rights as a consumer.

The Fair Debt Collection Practices Act protects you from the abusive practices of some collection agencies; the problem - most of us don’t know what rights this legislation provides. Did you know a collector is required to stop contacting you at your place of employment as soon as you request they stop calling you there? And did you know you can write a Cease and Desist letter to a third party collector which requires they cease collection efforts unless they decide to pursue further legal action?

Bottom Line: Know your rights as a consumer, especially if you find yourself faced with this situation. Avoiding creditors and making broken promises to pay are not the best ways to deal with a collector. Find out what your rights are and get help from a reputable source if necessary.