What Does a Debt Collection Harassment Attorney Do?

Almost every person has a certain amount of debt. It can be a car loan, a mortgage loan, credit card balance, or a student loan. If a person is indebted to a creditor and is behind schedule regarding making the payments, it is probable that a debt collector will be getting in touch with them. Even though it is legal for collection agencies to call the debtors, it is likely that some will harass them. When this happens, the borrower might want to sue debt collectors for harassment. Therefore, an attorney that deals with such cases are referred to as a debt collector harassment lawyer.

What Is the Work of Debt Collector Harassment Lawyers?

While the creditors have the right to collect their due monies, debtors have a right to take legal action against them in the case of harassment. Here is what a harassment attorneys may do:

Informs Defaulter of State Laws

This lawyer can advise the person harassed what state debt collection laws are and if applicable law covers or does not cover business debts. Some people take loans without reading the terms of what will become of them in case they fail or are late in payment. The attorney, therefore, when contacted, takes the responsibility of informing the debtor if all that the law states regarding the debt collection and the rights. The attorney might also advise the person harassed to keep communication records so as to verify the claims if need be.

Stop Illegal Collection Approaches

While owing money does not make someone a bad person, no one deserves abuse or intimidation by any debt collector. Hence the aim of hiring a lawyer is to end the harassment calls. This is achieved by the attorney sending a cease letter insisting that the creditor stops contacting defaulter. The letter also may demand that the lender stops adding or placing any incorrect data on the defaulter’s credit report.

Enter into Negotiations with Debt Collectors

With the permission of the defaulter, the debt collection harassment attorney can enter into talks with the creditor to work out a debt settlement. The debt settlement talks are intended to take some burden off the shoulder of the debtor by reducing the payment amount. If necessary, the lawyer can file a civil lawsuit seeking monetary damages from the creditor.

Take Case to Trial

In case the talks fail, the lawyer may choose to take the case to trial.

Many lawyers are specialized in handling such cases in case debtors decide to take legal action against the debt collectors. For example, laws in Tampa Area Florida protect debtors for a particular period. Within this time, the defaulter is not subject to any harassment, lies, and deceitful approaches over the owed money. If a person finds out that an agency or bank is going beyond the legal line, the borrower may be able to sue debt collectors for harassment.

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.

Recent Posts