This type of exploitation can even turn into downright harassment especially when you’re making the effort repairing your credit (see our free credit repair services)

An insider’s look at the workings of a credit collection agency reveals some very interesting facts. The final two weeks of each month, credit collection companies attempt to collect as much money as possible. Many of them recommend or suggest to their employees to “slam” the consumers whom they are attempting to collect debts from. Some companies even offer “end of the month” bonuses to their employees if they can meet a certain set number in collections.

It is these types of situations that lead to illegal actions or unfair collection measures by many creditors. They are attempting to put more money in their pockets and will exploit the law to do so.

Some credit collection agencies are not even aware that their workers are doing these things, or in some cases they simply turn a blind eye to it.

So what can you do if you feel that you have been treated unfairly by a creditor? The answer is simple.

First and foremost, it is utmost importance that as a consumer, that you document any and all communication with creditors. If you find yourself in debt it would be a good idea to keep a written log of any and all contact you have with your creditors. This includes mailings, emails, and phone conversations. In your log you should note the dates and times of all contact, and if you are speaking to a creditor on the phone you will want to write down their name, phone number, and extension.

While they are busy attempting to collect information from you, you are legally permitted to collect information from them. If you are feeling harassed by the creditor who has contacted you, you can simply ask to speak to their Floor Manager. You can then express your concern to the Floor Manager and can tell them why you feel you have been treated unfairly.

If the Floor Manager treats you with the same disregard that the original creditor displayed, you may then wish to take matters a step above that specific collection agency.

Every state has a state attorney who is required by office and law to protect the rights of all the citizens in their state. You can contact your state attorney via the Internet by doing a simple web search with your states name and the words: state attorney. You may also find their contact information by using your cities local information line.

If you have documented your experience with the creditor who has treated you unfairly, you can present this information to your state attorney and they will deal with the creditor on your behalf.