How to Deal with Debt Collectors during Personal Bankruptcy

Part of the Personal Bankruptcy Laws For Dummies Cheat Sheet

If you're facing personal bankruptcy, you've probably heard from debt collectors. A debt collector's job is to get you to pay their client's debt, and they can be very inventive in finding ways to motivate you to do that. Debt collectors, however, are bound by laws, just as you are. What debt collectors can't do include the following:

  • Call you early in the morning, late at night, or at any other unreasonable time or place.

  • Harass you.

  • Contact you at work if your employer prohibits personal calls.

  • Threaten you.

  • Tell anyone (other than your spouse, lawyer, or cosigner) that you're in debt.

  • Bug you once you've told them to bug off.

If a debt collector breaks the rules, you have options: First, tell them you know what the Fair Debt Collection Practices Act is and how to use it. Then, use it by filing a complaint with the Federal Trade Commission, Correspondence Branch, 600 Pennsylvania NW, Washington, D.C., 20580.

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