There is no question that debt collectors and collection agencies are known for using intimidation in an attempt to collect on past due debts. Most people that are behind on payments will probably only be receiving a few letters and phone calls notifying you of the debts, whether it’s yours or not.
While you may be getting constant phone calls and letters from collection agencies, some collectors even take the extreme step of showing up at your home or place of residence in an attempt to collect on your debts.
If a debt collector comes to your home, you may feel intimidated and embarrassed. Some people even view this practice as a complete form of harassment.
Usually, most debt collectors decide to stay hidden behind a phone or a letter. The chances of a debt collector or agency coming to your home are very low, but it does happen. Having an actual person take the time to drive to your place of residence is costly, but it can help the collector put more pressure on your to pay the debts.
When it comes to debt collectors, they do have the legal right to show up at your home just like any other person can. The Fair Debt Collection Practices Act (FDCPA) does not explicitly state that a collector cannot come to your place of residence.
Thankfully, the FDCPA does offer consumers certain protections from debt collectors, in the form of threats or acts of intimidation. The FDCPA also prevents creditors and collectors from calling you at odd hours, which is defined as any time before 8 AM along with any time after 9 PM.
Know that if a debt collector comes to your home, you are not legally obligated to do anything. All the collector can do is simply ask that you repay the debts. The debt collector cannot come and take your car or any personal property. Debt collectors can also threaten to come to your home, but this is often just a threat that is rarely acted on.
What to do if a Collector Comes to Your Home
If a debt collector comes to your home, do not in any way shape or form hand them any cash or anything of value. There are a large number of scammers who can also pose as debt collectors in an attempt to scam you out of a hard-earned dollar.
You are not required to answer the door, but if you do, be certain to get the collector’s name and agency written down. See if you can follow them to their vehicle to get their license plate as well.
You are also not required to identify yourself to the debt collector. The debt collector is only allowed to discuss your debts with the person who owes money. If you do not identify yourself, the collector cannot prove it is you, and cannot discuss the debts.
Being in debt can be scary, especially if the collection agency threatens to come to your home. You can prevent debt collectors from showing up at your home by sending them a cease and desist letter. Once you send this letter to a collection agency, they can only contact you to tell you that they are ceasing all collection efforts or are taking further legal action to recuperate the debts owed.
If you are looking to stop the collection calls, CrediReady can help. You can get a FREE bankruptcy consultation with a local attorney by filling out this form. Take 2 minutes to see what your options are today!