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State of Wisconsin
Strengthening Wisconsin's Financial Future
Department of Financial Institutions |
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| Home > Office of Consumer Affairs > Business Guidance > Creditors > Debt Collection > Frequently Asked Questions |
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What if the consumer disputes the debt? Can I threaten to sue the consumer? What is considered harassment? When can I contact a consumer’s employer? Can I contact a neighbor to ask if the consumer still lives at the location listed on the account? 
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Frequently Asked QuestionsWhat is considered harassment?Harassment is difficult to describe in exact terms, but it usually means that a collector used obscene or threatening language with a consumer. This includes calling the consumer names, demeaning the consumer’s occupation, or questioning the decisions that led to the consumer’s account being placed with a collection agency. It is also considered harassment to contact the consumer at unusual hours (before 8:00 a.m. or after 9:00 p.m. Central Time), or to call so often that it becomes harassing. |
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