Ways in Which Debt Collectors Harass Debtors
Tampa Bay residents who are tired of getting harassed by collectors wonder about the ways that creditors harass people and whether is legal. Being harassed by debt collectors sometimes brings stress but if residents are informed about the ways in which harassment takes place by creditors, they can find strategies to fight it permanently. With the knowledge in this article, consumers can stop debt collector’s harassment. Here are some methods of debt collection harassment.
Threats of Lawsuits
Many shady collection agencies will threaten to sue debtors for the debts they owe, but this is illegal. Creditors are not allowed to make threats of litigation against debtors unless they can legally sue and consumers can file a complaint if this has happened to them.
Constant Contact of Debtors’ Employers
Another form of harassment by creditors is when they unlawfully contact debtors’ places of employment.
When Debtors’ Disputes Are Ignored
Another bad practice from some creditors is the ignorance of debtors’ dispute letters.
Attempts to Collect More Than Debtors Owe
It is also not uncommon for some creditors to try to collect more money than what debtors owe. Collection agencies can only charge the amount of debt and interest that was part of the original creditor’s contract with the debtor. Before consumers agree to pay the debt, they need to request a validation letter as a form of proof that the person owes the debt.
What Debtors Can Do To Stop Harassment
For consumers harassed by debt collectors, there is hope. 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 at 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.