Benefits of Hiring a Debt Collection Harassment Attorney

Although the economy has stopped hemorrhaging jobs, there’s still a long way to go before the country is back on its feet and everyone who wants a job has one. In fact, economies keep referring to a “jobless recovery,” which might make Wall Street feel better but does little to help Main Street. 

People have been downsized, “rightsized,” or whatever due to one reason or the other may even be undergoing financial constraints. They’re probably struggling to put food on the table and a roof over their heads. Keeping up with payments on bills may feel like a lost cause. When they fall behind on their payments, chances are good that their account will eventually be turned over to a third-party debt collection agency. No one would argue that being subjected to debt collector calls and letters is bothersome at best and nightmarish at worst.

dollar bills on table

In the worst-case scenarios, consumers are incessantly hounded by debt collection calls, are embarrassed by collectors’ calls to neighbors and family members, and may even feel threatened. Unfortunately, most people don’t know that they have rights under the Fair Debt Collection Practices Act (FDCPA), and they’re unaware of the advantages of hiring a collection harassment attorney. 

Many people are under the assumption that hiring a debt collection harassment attorney will cost them an arm and a leg. After all, if they had the money to hire a lawyer, they’d have the money to pay their debt. The truth is that a legitimate debt collection harassment attorney will represent consumers for no upfront cost. Although this might sound too good to be true, it’s not. The Fair Debt Collection Practices Act is created to equally give consumers steady footing with debt collectors, and says that, when a debt collector crosses the line into illegal behavior, the collection agency is responsible for paying the consumer’s attorney fees. In other words, your attorney will get paid – by the debt collection agency that is harassing you.

Another good reason people should consult an attorney is that, once they are represented by a debt collection harassment attorney, a debt collector can no longer contact them directly. He or she must go through your lawyer. In other words, the debt collector harassment calls and letters will stop. If they don’t, it’s a violation of the FDCPA.

debt collection harassment attorney can also file suit against collection agencies in federal court. The FDCPA says that, if a debt collector violates the law, the court can award a consumer up to $1,000. That’s right – if he/she is a victim of illegal debt collection practices, they can get compensation of up to $1,000.

Often, however, when this attorney files a lawsuit against an agency, the agency will want to settle the suit, and you’ll never have to go to court. Sometimes, a debt collection agency will offer to settle for a dollar amount. If the agency actually owns the debt (by buying it from the original creditor), the debt can be wiped out. A collection harassment attorney may even be able to negotiate what the agency puts on the credit report, which has far-reaching implications for your future credit needs. 

Hopefully, you will never be in a position in which you need the legal services of a debt collection harassment attorney, but in the event that you do, please give Hoag Law Firm a call or complete your online Free Case Evaluation. A free consultation can help you understand your rights. With honest advice and an experienced Tampa personal injury attorney at your side, you can recover the largest possible settlement and get back to living your life.


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