How to Stop WFNNB Harassment

Individuals who owe money to the World Financial Network National Bank (WFNNB) may find themselves the victim of undue harassment. Many consumers find that their credit report shows an outstanding balance when they have actually paid off the debt. Creditors resort to tactics such as constantly calling people at work and at home and sometimes resort to using threatening language.

Fighting Back Against Creditors

The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using unfair practices to collect debts from consumers. This federal law states that collection agencies cannot do the following:

• They are not allowed to call people before 8 am or after 9 pm
• Continue to call after you have requested that they cease all contact with you
• Lie to consumers about the actual balance owed on their account
• Use threatening or obscene language, including racial slurs and taunts
• Threaten consumers with being arrested and locked up in jail
• Pretending to be someone else in an effort to obtain personal information
• Tell a third party about your debt, such as your employer
• Ignore a written request to verify the debt or to cease all communication with you

Complaints can be filed with the Federal Trade Commission (FTC), which is tasked with enforcing the laws associated with unfair business practices. In addition, you can file complaints with your State Attorney General and also the Better Business Bureau. Some consumers may not be aware that most debts expire over time and once the statute of limitations has run out, they can no longer enforce the debt to be paid.

Legal Advice From a Debt Settlement Lawyer

Debt collectors who violate the Fair Debt Collection Practices Act can be fined $1,000 for each violation. If creditors are constantly harassing you, you may want to consult with an attorney. It's possible that you can file a civil suit against these people for damages and end up making them pay your attorney's fees as well.