What Are The First Steps Creditors Take To Get Consumers To Pay?

Most creditors will write or call to try to collect a past due debt. Sometimes the calls or letters rise to the level of harassment. For example, a creditor might call several times a day, at work, or at inconvenient times of the day (like before 8 a.m. or after 9 p.m.). The creditor may threaten with harm or use obscene or foul language. What the creditor is trying to do is put the pressure on so the debtor will pay the abusive creditor ahead of others that are not pressing so hard.

The information on this page is meant to provide a general overview of the law. The laws in your state and/or city may deviate significantly from those described here. If you have specific questions related to your situation you should speak with a local attorney.

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