I am meeting more and more individuals who are considering bankruptcy due to debt collection calls. Many times people say they want us to call Calls from creditors attempting to collect a debt are legal and an important part of the economy. However, debt collectors who call you 10 or 20 times a day, swear, threaten you with arrest or criminal prosection are violating the Fair Debt Collection Practices Act and the Kentucky Consumer Protection Act.
Proving you are being abused requies documentation and patience. Attached is a link to the collection log I give to my clients to keep track of collection calls and mailings.
There is no reason for you to dread answering the phone or going to the mailbox.