There is important information that people are not aware about debt collectors. No matter whether people owe debt or not or how much money they owe, how much debt they pay etc, debt collection harassment attorneys can help stop collection, abuse and harassment. It is true that being contacted by a debt collector can be frightening and can be a cause of anxiety, acting wisely and on time can be really helpful.
Here are a few things about debt collectors that most of the people are normally not aware about. In case of any breach, debt collection harassment attorneys should be taken help of.
Debt Collectors Must Behave With Respect
They cannot threaten or arrest, yell or insult, use obscene language etc. Apart from that, they cannot call anyone early in the morning or late at night or call repeatedly. They are well aware of the fact that people from whom they need to collect the debt are represented by the attorneys.
Besides, debt collectors cannot get in touch with the family, neighbors or employers etc. to collect the debt and they cannot call at the workplace either.
Debt Collectors Must Tell All The Truth
Debt collectors cannot send you anything that can look like an official document from the court or any government agency. In no case they can claim that their clients have committed any crime. They cannot threaten garnishment of the wages or liens in the property prior to the final judgment by the court. They cannot say that their clients have created any crime and they will face arrest.
The FDCPA says that debt collectors cannot use deceptive, misleading or false practices about the amount owed. Besides that, they cannot make false threats of you being arrested or threats about something that cannot be done legally. In case of any of these things done by the debt collectors, a debt collection harassment attorney can be hired.
It is good to have a file of all the letters or documents that a debt collector sends and also the copies sent to him. Apart from that, all the dates and times of the conversations with him should be taken note of. In case of any dispute with the debt collectors, a debt collection harassment attorney can be hired.
Also, all the communications with the debt collector should be kept track of. In order to hire a debt collection harassment attorney, you should have all the written communication with you including the envelopes. If clients have threatening voicemail or any other abusive material from the debt collectors, they can contact collection harassment lawyers.
In short, if debt collectors insult you or abuse or threaten their clients in any way, it is their right to get justice right on-time. The debt collectors should treat them with respect and should not threaten or abuse their clients in any way. Attorneys are there for the help of their clients if they are harassed or insulted in any way by the debt collectors.