Advice If You're Being Harassed by Collection Agent

Advice If You're Being Harassed by Collection Agent

Are debt collectors allowed to lie about why they are contacting someone?

Are debt collectors allowed to lie? I just got a call from Northland Group. They asked for me and said the reason for the call was to verify me as a personal reference for someone I had never heard of. This seems like a shady technique and I'm wondering if it is legal.

  • Know your rights under the Fair Debt Collections Practices Act.
  • Take the right steps to stop debt collector harassment.
  • Pursue legal action, if you have been the victim of illegal debt collections practices.

Third-party debt collectors or collection agents pursue payments on debts owed by individuals or businesses. Collections agents may work on behalf of a creditor, or may purchase the account receivable from the creditor for a fraction of the account's face value.

Fair Debt Collections Practices Act

All third-party collection agents are regulated by a federal law called the Fair Debt Collections Practices Act. When an original creditor has a department or group that functions as a collection agent the original creditor becomes bound by the provisions of the FDCPA. Also, in Texas, New York, and California, all original creditors at all times are bound by the FDCPA.

The FDCPA states, among other things, that collection agents may not make false or misleading statements while attempting to collect debts. To learn more about your rights under the FDCPA, I encourage you to visit the Federal Trade Commission FDCPA FAQ.

After learning more about your rights as a consumer, if you believe the collection agent who contacted you is violating the FDCPA, you may wish to file a complaint with the Federal Trade Commission and your state Attorney General's (AG) consumer protection office. To find contact information for the AG's office in your state, see the National Association of Attorneys General list of AGs.

Once you file a complaint with the AG's office, the AG's staff will contact the collection agency to notify the company of your complaint, and what action you want the agency to take to resolve your complaint. Filing complaints against the collector will likely stop the telephone calls you have been receiving. Depending on the seriousness of the allegations, the collector may also be willing to forgive all or a portion of the debt claimed in order to settle your complaints.

Filing a Lawsuit Against a Collection Agent

In addition to filing complaints against the collection agent for violating the FDCPA, you may have a "cause of action" to file a lawsuit against the company. A cause of action is a reason under the law to file a lawsuit. I frequently see consumers file claims successfully for statutory damages allowed by federal law.

If you are interested in pursuing legal action against the collection agency, I would encourage you to consult with a consumer rights attorney licensed in your state who can review your case. If the attorney thinks a viable case exists, he may be able to help you in filing a lawsuit against the collector for damages caused by its illegal collection activity. The National Association of Consumer Advocates will help you find a consumer rights attorney in your area who can assist you in pursuing legal action against this collection agency, if you choose to do so.

Cease Communication Demand Letter

If your primary goal is to stop the phone calls you are receiving from collectors, you may be better served by simply sending a written cease communication demand letter to the agency. Under the provisions of the FDCPA, a debt collector is required to stop calling you (with very limited exceptions) if you notify the agency in writing to cease communications.

For an example of a cease communication (a.k.a., cease and desist) letter, see the debt self-help center. If you decide to send a cease communication request, I encourage you to use certified mail, return receipt requested; this will provide you proof that your letter was received in case the collector continues to call and you need to take further action against the agency.

In many cases, sending a C&D letter will end the collection calls, so you may find that no further action is needed on your part. However, if you do continue to receive collection calls, you may need to take further action such as filing complaints and/or legal action, as outlined above.

Resolve the Debt

Federal law provides you with a significant protection against abusive collection tactics by debt collectors. That said, stopping collection calls does not make the underlying debt go away. I encourage you to visit the Debt Help page to read more about the various debt relief options available to consumers who are struggling with debt.

I wish you the best of luck in resolving this debt, and hope that the information I have provided helps you Find. Learn. Save.




JJason, Jun, 2020

hey guys I've recently got a letter from speesy cash. Then I've claimed It was Fraudulent and then they told me to get a police report etc. Did that and then later I got a mail saying I need to pay them. And I contact them again and they said they haven't gotten a report. So after that I contact they officer again and he sent them again to their fax. And then couple weeks they hired Ad Astra to collect! And this happened during the start of this COVID 19 stuff. I'm 25 years old and I finally cleaned my first and last debt just to get another one. Any advice and help I can get? This really stresses me out.

DDaniel Cohen, Jun, 2020

Jason, I am not a lawyer so whatever I share is not to be taken as legal advice.

When you first got somehting in the mail, a good step would have been to validate the debt. I am not sure  how long ago your were notified by mail.

I don't know what evidence they haveor the size of the debt that they say you owe, but if you didn't take out the debt and filed a police report about identity theft I think it makes sense to fight this.

Go to and make sure you followed all the right steps. If they sue you, seek a consultation with an attorney.

MMia Ramsy, Jan, 2014
I was wondering if a debt collector can tell you you're under investigation, to call your family member and tell them you're under investigation, and that they have an appointment to meet you but they need your phone number.
BBill Admin, Jan, 2014
It sounds as if you are being harassed by a debt collector illegally. The only reason a debt collector can contact your family is to locate you. If the collector already is in contact with you, contacting your family is improper.

I recommend that you speak with an attorney who specializes in cases involving violations of the Fair Debt Collection Practices Act.
MMary com, Sep, 2013
My mother in law (MIL) started receiving calls a couple of years ago stating I was going to jail for an unpaid payday loan. I started to receive calls and when I asked for information re: the loan they stopped. Both my MIL and I started receiving calls again telling me they were serving papers if I didn't settle the debt today. They told me to be home between 11-5 to get the summons, but if I changed my mind to call them back. The company is called CT financial. I can't seem to locate anything online about them. The first time I called them they wanted the last four numbers of my Social Security number, I refused to give it without more info as to I was speaking with and the rep said good luck then and hung up. I called back an hour later and they gave me the info and never asked for my Social Security information.
BBill Admin, Sep, 2013
You described a common collection agent tactic: Call a parent of a consumer and say, "The police may put your Johnny (or Janey) in jail if we can't work out a solution to his/her debt problem right away." This is an effective ploy when used on uneducated consumers who do not know that being in debt is not a crime and no one has been jailed for debt since the Civil War.

You mentioned a summons. A summons is used when one party wishes to give notice to another party of a civil lawsuit.

You mentioned a payday loan. See the payday loan laws page to learn more about your state's payday loan laws, and the Fair Debt Collection Practices Act page to learn more about your rights under federal law.
mmandi porter, Jun, 2011
I have been recieving a harassing phone call from this place in california called Bureau of crime and investagation of law enforcment and network of california and they say I owe cash advance 300.00 for a loan I never recieved. They told me that they were gonna come arrest me and my two personal contacts if I didnt take care of the matter. I asked for the number to the loan company and at first they didnt have it, I then called when I got home and talked to a supervisor and he gave me the number to the cash advance place.I called and they said I recieved a loan from them on 11/20/2010 I didnt even have internet access at that time and I searched my bank statments and I do not see a loan from them on it! I tried to look up that bureau on the internet and i can not find a phone number. Please help!!!!
BBill Admin, Jun, 2011
Trust your memory and the bank statements in front of you. You are almost certainly dealing with a fake debt collector. Follow the link I just mentioned to learn how to handle this situation. Ask any follow-up questions you may have on that page.
SShawn H, Jun, 2011
Bureau of law and investigation is not legit. I checked them out. They call and say they have an field person trying to locate you and if you tell them you will meet them to get the papers from them. Then they say, "so you are saying you refuse to pay?" Just tell them you didnt say that but you need a number for your lawyer to call them back. They dont give it. All they do is run around your request.
mmyra mcbrayer, Apr, 2011
I have been being harrassed by a payday loan collection agencie and they are threatening to issue a warrant for my arrest today, and contact my employer as well, they have also been harrassing my elderly parents, daily, what can I do and can they arrest me for a payment on a loan from june of 2008? please help...
BBill Admin, Apr, 2011
District attorneys and judges are the only people who issue arrest warrants. Payday lenders are not district attorneys or judges. Therefore, a payday lender may not issue an arrest warrant. Like you and me, a payday lender has the right to file a police report, and the police may forward such a complaint to the DA, but any DA's office that issues an arrest warrant for a payday loan is overstaffed or severely lacking in proper priority setting.