If you’ve read any of my blog posts, you know that the number one way to fight back against debt collectors is to document their harassment and find a lawyer to file a lawsuit under the Fair Debt Collection Practices Act. But maybe you’re not angry enough to file a lawsuit. Maybe you don’t care about getting a bit of extra cash and you just want to give them some of the trouble they’ve been giving you. Fortunately, there are other options. One of them is to file a complaint with the Consumer Financial Protection Bureau. It’s easy. Just go to http://www.consumerfinance.gov/complaintdatabase/ and follow the directions there.
What does this do? Well, it’s kinda like calling your local DA, but its more effective because 1) the District Attorneys in Alabama don’t care about ordinary people getting ripped off and 2) the CFPB works across the country and gathers the complaints of thousands of people like yourself. They keep records of all the complaints they get about each collector and when they get a lot of them or find some really nasty behavior, they’ll shut them down. Or hit them with massive penalties that can sometimes end up with the collection agencies sending you a check for your trouble.