How to stop payday loan harassment?
What is payday loan harassment?
This type of harassment typically comes in the form of repeated phone calls from a lender or debt collector. The goal of the harasser is to scare you into paying back your loan.
There are a few things you can do to stop payday loan harassment. First, you can ask the harasser to stop contacting you. You can also file a complaint with the Consumer Financial Protection Bureau (CFPB). Lastly, you can sue the harasser.
How to ask the harasser to stop contacting you?
There are a few ways to ask the harasser to stop contacting you. You can send a letter, call them, or use an online form. Whichever way you choose, be sure to include the following information:
-The name of the company harassing you
-The phone number of the company harassing you
-The address of the company harassing you
Here is an example of a letter you can send to the harasser:
I am writing to ask you to stop contacting me. I am not interested in speaking with you or hearing from you again.
Please do not contact me again.
Your Telephone # [optional]
(Daytime Phone #) [optional]
(Evening Phone #) [optional]
E-mail Address [optional]
To find a sample letter you can use, search the internet for "sample letter to payday loan collector".
There are different ways to ask. Here are some examples of what you can say: 1) "I am not interested in speaking with you again." 2) "Please do not contact me again." 3) "Please do not call me or send mail to my house again." 4) "I am not going to pay back my loan. Stop trying to collect from me."
You can ask the harasser for their name and the company they work for. You can also ask them to provide you with their phone number and address so that you know who they are and where they're located. If the company is harassing you through the mail, ask for their mailing address.
How to file a complaint with the CFPB
If you are being harassed by a payday loan lender or debt collector, you can file a complaint with the CFPB. The CFPB is a federal agency that helps protect consumers from unfair, deceptive, or abusive practices.
To file a complaint, visit the CFPB's website or call them at 1-855-411-CFPB (2372). You can also submit a complaint through the mail.
Payday loan harassment laws
There are no specific payday loan harassment laws in place. However, there are laws that protect consumers from being harassed by debt collectors. These laws include the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA).
The FDCPA protects consumers from unfair, deceptive, or abusive practices by debt collectors. The TCPA protects consumers from being contacted by debt collectors through the phone.
How to sue the loan harasser
If you have been harassed by a payday loan lender or debt collector, you may be able to sue them. You can file a lawsuit in federal or state court.
To file a lawsuit, you will need to hire a lawyer. The lawyer will help you file your complaint and represent you in court. If the company harasses you again, they may be fined or ordered to stop harassing consumers.
If you are being harassed by a lender or debt collector, there are several things you can do: 1) Ask the harasser to stop contacting you. 2) File a complaint with the CFPB (Consumer Financial Protection Bureau). 3) Sue the harasser.
If you need help finding sample letters to send, go to the CFPB's website at: https://www.consumerfinance.gov/complaint/.
To file a complaint with the CFPB, you can call them at 1-855-411-2372 or visit their website.
You may be able to sue the harasser if they continue to contact you. To find a lawyer, contact an attorney in your area or use a lawyer referral service. You can also contact a law school and ask if they have free legal advice clinics.