The outbreak of the coronavirus pandemic has resulted in unemployment for a lot of people. And it is evident that most of you may have trouble paying bills and have entered the defaulters' list. So, during such times, getting calls from debt collectors can be quite annoying. But if a debt collector repeatedly calls you asking for payments, you can deal with them in the following ways:
- Talk to the debt collector instead of ignoring the calls. This allows you to communicate with them and work out a better payment plan. Also, you can verify whether the debt is yours.
- If collectors do not abide by the rules under the FDCPA, you can raise a complaint against them. These rules include no repeated calls, no usage of foul language or threats. Also, the collectors can only contact you between 8 a.m and 9 p.m.
Furthermore, the federal, state and local governments have established various programs during the coronavirus outbreak, so that it may help you manage your debts.
The details of the programs are as follows:
- The collection of federally owned student loans that are in default has been stopped for a temporary period by the Department of Education. Moreover, even if you are not a defaulter, you need not pay the monthly payments for the federal student loans from 13th March to 30th September 2020, and the interest has also been suspended for the period.
- Various state and local governments have stopped foreclosures, water, and other utility shut-offs, and evictions for a temporary period. You can also contact your state or local government to know about the emergency protections that may apply.
- States have also limited the actions debt collectors can take during the pandemic. For instance, a debt collector can seize payments from your accounts, but this has been declared illegal temporarily; therefore, collectors are not allowed to make debt collection seizures. You can contact your state attorney general in order to find out about the emergency limits on debt collection action that may apply in your states.
If the debt collector still persists in calling you after repeatedly telling them to stop, you can send them a letter stating clearly to stop contacting you. Although it won't get your debt canceled, and you can still be sued, stopping the calls can reduce the stress and give you time to figure out how you can pay the debts.