Collections Law/harrassment

Advertisement

Expert: Regan Shinski - 10/30/2010


Question
A collection person came to my home and threatened to have me put in jail if I didn't give her money. What can I do?

Answer
If you can prove it, I would sue their tail off for a LOT of money!  That is a MAJOR violation of the Fair Debt Collection Practices Act (FDCPA). I am assuming you mean this a collection agency representative.  Even if it is not, the threat of jail is a pretty big violation.

I would start by filing a police report so you can get it on record.  Then seek the counsel of an attorney.  See if you can get one that has free initial consultations.  

If they do it again, I would try and have someone record it.  Do it in the open so there is no expectation of privacy.

As far as other options, I can't address them because you didn't tell me what they were collecting, if it is a legitimate debt, or other information.

Good luck,
Regan

REMOVE BAD CREDIT - www.ficofighter.com  

Collections Law

All Answers

Answers by Expert:

Ask Experts

Volunteer

Regan Shinski

Expertise

I can answer questions on collections, repossessions, bankruptcy, credit repair, credit counseling, FICO scores, credit planning, and the cause and effect of credit related decisions. I can also answer questions on collection settlements and preparing to sue your creditors for false debts and credit credit reporting.

Experience

Fifteen years ago I was financially devasted due to severe health issues. I filed bankruptcy, had a foreclosure, car repossession, tax lien, and ruined credit. I immersed myself in credit law. I settled dozens of accounts and had them removed to improve my credit. I personally sued four creditors and collection agencies and won cash settlements for their false reporting on my credit reports. Since then, I have completely recovered and have nearly $100,000 in revolving credit lines and perfect credit. I have owned a credit repair company for the past five years and have an additional three years of specific work in the collections and debt management industry. I am fully versed in the Fair Debt Collection Practices Acts (FDCPA), Fair Credit Reporting Act (FCRA), and have used them successfully in collection settlements and lawsuits for myself and others. I am also familiar with and abide by the Credit Repair Organizations Act (CROA). I have deleted or helped delete literally hundreds and hundreds of derogatory items from consumers' credit reports and helped negotiate many settlements with collection agencies and creditors. I have also advised people on bankruptcy at any stage. In the current credit market, I have successfully advised numerous people on how to obtain credit and how to negotiate for better terms.

Education/Credentials
BA University of Minnesota

©2012 About.com, a part of The New York Times Company. All rights reserved.