November 27, 2012 (Press-News.org) Respond Intelligently to Debt Collector Harassment
Each year, millions of Americans find themselves in significant debt. Too often, debt brings with it not only constant worry about bills and finances, but also harassing phone calls from unscrupulous bill collectors. Fortunately, consumers do have rights and there are some basic steps people can take to protect themselves from creditor harassment.
Make a Plan
If debt collectors begin making harassing phone calls to your home, it is important to come up with a plan on how to address them. Designate one person in the family to speak to creditors. This will prevent callers from fishing for information about assets and will allow for better record keeping about creditor contact. It may also be useful to keep a record of when the calls occur and specific information about any conversations.
Demand Proof and Stay Informed
Debt collection companies are notorious for poor record keeping. If you are at all unsure if you owe the debt, demand that the company provide you written proof. Do not agree to pay anything until you receive written documentation of the debt.
When facing debt, it can be easy to ignore information arriving by mail, particularly when you regularly receive letters from collection agencies. It is essential, however, to open each and every letter and to read the information they contain. In some instances, a letter may contain a notice to appear in court, and a failure to appear may lead to a default judgment in favor of the creditor.
Know Your Rights
One of the most essential steps to take when facing harassing phone calls is to know your rights. For example, before you agree to pay a debt, make sure that the creditor's claim is not barred by a statute of limitations. If it is, then you may not be required to pay. Also consider speaking to a legal professional who can provide information about the tools available to consumers to fight creditor harassment.
An Experienced Debt Collection Attorney Can Help
If you or someone you love is facing harassing phone calls from debt collectors, contact an experienced debt collection attorney. A knowledgeable debt collection lawyer can assess your case and help you end harassment. For more information, contact an attorney today.
Article provided by Turner & O'Connell
Visit us at http://www.frontstreetlawyer.com
Respond Intelligently to Debt Collector Harassment
Each year, millions of Americans find themselves in significant debt. Too often, debt brings with it not only constant worry about bills and finances.
2012-11-27
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[Press-News.org] Respond Intelligently to Debt Collector HarassmentEach year, millions of Americans find themselves in significant debt. Too often, debt brings with it not only constant worry about bills and finances.