Debt Collectors Continue to Cross the Legal Line

As the economy slumps, more and more people struggle to pay their bills. This leaves creditors without their payments on loans or credit cards that have been granted to once-qualified individuals. In order to reclaim their funds, creditors may cross the metaphorical legal line on collecting from the consumers affected by debt. In some instances, debtors have needed to contact a collection harassment attorney to better protect themselves from creditors’ attacks.  This article outlines some creditor collection tactics that may be abusive in nature and illegal under the law.

Incessant Phone Calls by Collectors

While this is the most common form of abuse, frequent phone calls are not the only way creditors may attempt to force debtors into paying past debts. For individuals that have multiple accounts, many suffer from phone calls from the early morning hours to all throughout the day. Some companies may also use robo-calls or automated systems to contact debtors. Under some circumstances, these phone calls may constitute harassment under the law.

Abusive Collections Methods

Many creditors can and do harass debtors regarding past debt owed. While it is not legal for creditors to use foul language or make violent threats, they do have the right to contact the debtor to arrange payment of the debt. However, some debt collectors use abusive methods to attempt to collect a debt. Some may speak down to the debtor. When this happens, debtors should seek out a collection harassment attorney for protection and guidance.

Threat of Lawsuits

It is possible for creditors to sue debtors and it occasionally does happen. Often times debtors have faced unforeseen situations that have put them into so much debt that they are unable to arrange payments due to a job loss, failed business, or other unforeseen circumstance. Creditors are aware that the debtor may not have the means to repay the debt. In some cases, an unscrupulous creditor may threaten to file a lawsuit, even if they do not intend to sue. It is not always advantageous for a creditor to sue and they know they may not collect even if they win in court. If a creditor notifies you that they intend to file a lawsuit, it is important to contact an attorney as soon as possible. The creditor may be using abusive tactics to scare you into paying a debt and his may be illegal under the law.

Many of the laws are shifting into the debtor’s favor. Lawmakers are creating laws that intend to put a stop to creditors’ predatory tactics. Hiring a debt collector harassment attorney will allow the debtor to protect his or her rights and determine if a creditor has done something illegal.

Hopefully, you will never be in a position in which you need the legal services of a Tampa personal injury lawyer that specializes in debt collection harassment, 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 attorney at your side, you can recover the largest possible settlement and get back to living your life.

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