Attorney General Office
Q.How to complain about a collection agency?
A.First, go to the links below and read the Fair Debt Collections Practices Act. See if what the collection agency is doing is actually legal or not. Send them a cease and desist letter. That will stop whatever they are doing. But be warned, it's also a "put up or shut up" letter. If you block them from contacting you they may just start court action. If the debt is large (over $500) that is a real possibility. If they have broken the law (and you can prove it), don't waste your time with attorney generals, because they don't deal with single cases. If they get enough complaints they may file a class action. But generally these cases are handled by the Federal Trade Commission. They have a web site to take complaints. But again, they rarely get involved in single cases. It's better (and very easy) to file a small claims case against them. If you have good proof, they probably won't even show up for trial. It's happening so often that collection agents are starting to get worried and watch their step. http://www.ftc.gov/os/statutes/fdcpa/fdcpa/fdcpact.htm http://www.creditinfocenter.com/forms/index.shtml
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