Is the collection officer waiting outside for you? Did someone call you more than five times in a week? I know you are irritated and somehow harassed by the person who tries to collect payment from you. Sometimes, illegal collection activities are combined with force, threat and letters that include cases that a company can file against you. As consumers, we also have rights that must be considered by the creditor. It is our responsibility to settle financial obligations but creditors have no right to abuse, harass and threaten us. This is why FTC – The Federal Trade Commission is responsible for protecting the rights of all consumers and carefully looks at the fair collection practices. For people who have experienced unfair collection activities, do not hesitate to contact FTC for utmost protection. When you call their office, policies and procedures will be discussed so as to understand the main purpose. You can also have the attention of the people from FTC by simply using the internet. There are forms that you need to fill out and consumers can indicate their complaints. An FTC officer will read and evaluate the issue and rest assured that an immediate resolution will be given accordingly.
Consumers can call this number for assistance, 1-877-FTC-Help (382-4357).

In making the report and complaint more effective, gather your issues and remember the things you encountered especially in dealing with the collection officer. If there were any harassments and threats involved, be specific as to how or when did it happen. With these issues, an FTC officer will investigate the concern and certain legal actions can be implemented. Illegal collection activities must not be tolerated and should be reported for securing all consumers. There are lawyers who are eager to take these kinds of cases. FCA guarantees consumers safety and protection. It is also advisable to keep and record your recent conversations so as to prove that a collection officer is harassing or threatening you. With this, it will be easier for an FCA officer to evaluate the things that had happened. Keeping contact numbers of the credit company or the person who does the collection activities will be a perfect idea since FCA will surely investigate it. An FCA officer can contact that person for further investigation. As consumers, we must be aware of our daily duties and responsibilities. Then, if we did our part and still something is wrong, look at it and think. Solution will just be in second.