If you make it clear to the debt collector that you dispute the debt that they say you owe, then they may not contact you anymore until the dispute is resolved. If in fact the collector does contact you about the debt after such a dispute is made (but before…
No, they may not. In fact, it is unlawful for the collection agency to contact you several times in one day via the phone. This is described as ‘incessant calling,’ and is actionable in the courts. The area of law that governs what a debt collector may or may not…
You have a right to demand that the debt collector cease any and all communication with you regarding your debts, but the federal law governing this area states very clearly that such a demand has to made in writing. Assuming that you do indeed make a written demand, then a…
Not as bad as you think. But the more important question to focus on would be how long it will take to rebuild your credit. The answer to this may surprise you as well. To begin with, the filing of a bankruptcy will appear on your credit report for ten…