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Attorney General's office. Both can help mediate the situation. State Attorney General's offices generally take complaints about abusive debt collectors very seriously and will contact the debt collector and force them to respond to your complaint. The Better Business Bureau, although not a government entity, approaches the complaint in a similar manner and also tracks the misconduct of debt collectors over time.

4. HIRE AN ATTORNEY

If you are being sued by a debt collector or being harassed without relief it could be time to hire an attorney. A good attorney will be able to counsel you on your rights as a consumer, explain your options for dealing with the debt such as bankruptcy or settlement, and even file a lawsuit again the debt collector if needed. You can get more information or contact an attorney by visiting the National Association of Consumer Advocates website at naca.net.

Dealing with debt collectors can be intimidating but ignoring them usually doesn't make them go away and many times only makes the situation worse. Knowing your rights and taking steps to resolve the situation is the best way to stop the harassment and rid yourself of the annoying phone calls and letters.

Resources:
http://www.n aca.net/
http://www.creditboard s.com/
http://www.ftc.gov/bcp/c online/pubs/credit/fdc.shtm

Learn more about this author, Dale G. Holmes.
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