There are certain rights you have when dealing with bill collectors. It is vital to remember the basics when dealing with them. Always do your business with these collectors in writing. Keep records of your notes and letters and make sure to keep track of all oral communications. Keep an accurate file of all documents that they send you and keep those documents safe. You never know when you will need them.

Here are a few things debt collectors may not do according to the Michigan Legal Aid website:

1. Threaten you or use physical force to collect a bill.
2. Use forms that look like court papers or legal papers.
3. Threaten to have you arrested if you don’t pay.
4. Call you collect, or charge telegrams to your phone bill.
5. Swear at you or use abusive language.
6. Tell anyone else about your bill, including members of your own family, neighbors or people at work.
7. Bother you at work, unless you have given written permission.
8. Send postcards about your debt.
9. Operate with a false or assumed name.
10. Mislead you about the real situation with your loan, or give you false information about your legal rights
11. Bother you at unreasonable times, usually before 8:00 am or after 9:00 PM.

If any of these things have happened, you absolutely need to call an attorney as you may be able to file a claim against these collectors and, in some cases, receive damages.

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This article appears courtesy of and Legal Services of South Central Michigan.