When someone owes a debt and is not making necessary payments, the creditor can collect the money. The indebted person, however, has a right to be free of harassment. Things weren’t always this way. Years ago, laws protecting people from debt collector harassment were minimal. Collectors in Alabama and elsewhere took advantage of lax laws to commit egregious actions such as calling late at night, contacting people at work and even making threats. These days, laws exist outlawing certain collection practices.

Not every person knows the law, though, so they might not act when a debt collector continues to call and engage in harassment. People who educate themselves about unfair debt collection practices may draw from their knowledge to better deal with them. If necessary, the person may choose to contact an attorney for assistance.

It is best to maintain a calm demeanor when dealing with a debt collector. Becoming angry or shouting likely won’t resolve matters. Telling untruths to the debt collector or making false promises may not help the situation either.

Keeping accurate logs of all correspondence between the debt collector and the person owing money might be beneficial too. An excessive volume of phone and text records could indicate proof of harassment. Commentary on text messages and voicemails may also provide evidence of harassment. Keeping such documentation might prove helpful when complaining about unfair practices.

There may be a question worth asking here: Is the debt legitimate? Mistakes do happen, and people are sometimes chased for a debt they don’t owe. Requesting that the collection agency representative provide proof and verification for the debt could assist someone in avoiding paying an obligation that he or she doesn’t sincerely owe.

Those heavily in debt may choose to file for personal bankruptcy. Bankruptcy should cease all debt collection actions. If a debt collector continues to bother the indebted, an attorney may inform the bankruptcy court. The court might then act against the collection agency. A Discharge in Bankruptcy will eliminate the debt forever with the exception of Child Support, some taxes and student loans.