Creditors Are Harassing Us!

Dear Dave,

My husband and I are trying to pay off our debts, but we're behind on a couple of credit card payments. The credit card company is calling us all the time and being really rude. They call us repeatedly at work, even though we've both told them not to do this. We're trying to work with them, but it's causing us problems with our bosses and making things miserable at home. How can we get this to stop?

Tanya

Dear Tanya,

If you owe the money, then you've got a moral and legal responsibility to pay the debt. Still, these clowns are breaking the law. It sounds to me like it's going to take a real slap in the face to bring them around.

Send a letter overnight delivery, return receipt requested, to the guy who has been calling and the company headquarters. In the letter, tell them your financial counselor has informed you that they are breaking federal law by harassing you this way. Once a creditor has been notified not to call a person's place of employment they are required by law never to do so again!

If you want to have some real fun, invite them to call back one more time, because you'd love to sue them for about $10 million and win! Make sure you keep a copy of the letter, too. You'll need proof they've been notified in the event this thing goes to court. Also, contact the Federal Trade Commission and report these guys immediately.

Remember, Tanya. You owe what you owe, but that doesn't mean your creditors have a right to harass you and make your life miserable. Get these guys off your back and under control!

-Dave

* For more financial help please visit daveramsey.com.

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