When Do You Really Need a Collection Harassment Attorney?
If you are being harassed by a debt collector, then your telephone can become your worse enemy. Some bill or loan collectors tend to get really nasty. It is the Federal Trade Commission that protects consumers against humiliation and harassment from debt collectors. Some debt collectors can be very aggressive, treating them rudely and talking to them impolitely. You should learn what your legal rights are and what you should expect during collection calls. A collection harassment attorney can inform you of your legal rights, protect you in court, let you know what to expect when a debt collector calls you and more.
There are about thirty million consumers in the United States that are called by debt collectors. These consumers are granted important rights under the federal and state laws and by the fair debt collection practices act. Under these laws or act it states that consumers should never be harassed, threatened, subjected to profanity, or the use of vulgar language from a debt collector. Debt collectors must identify themselves correctly and honestly to the consumer.
Is it possible that someone stole your identity? By monitoring your credit report, it will let you know if there are any suspicious purchases made to your accounts. If you think you are a victim of an identity thief, then you have a legal right to contact your local police department to file a complaint. If someone uses your private and personal information to open credit accounts, then it is a crime punishable by law.
If your debt is legitimately your own, digging yourself out of debt will take a lot of hard work. Debt collectors must adhere to your verbal request for you not to be contacted during certain times. If the debt collectors continue to call you at time that you have requested them not to, then a collection harassment attorney can help you eliminate this problem by notifying them in writing. As a consumer, then you must be prepared to let the debt collector know of the times when you are available to speak to them.
When both the consumer and the debt collector reaches an agreement on call times, then it makes it much easier for settling the debt and both having a decent and fair conversation. The convenient times by law to contact a consumer should only be after 8 a.m. and before 9 p.m. in the time zone of the consumer. Debt collectors have the legal right to contact you at your work or business, unless you inform them that you will not accept calls at your work. By contacting a collection harassment attorney, you will eliminate much stress of debt collector calls immediately.
FDCPA does prohibit the debt collector from calling a consumer continuously. If the debt collector does not adhere to the law, then it constitutes as harassment. You have a legal right to send your own letter to the debt collector requesting that the debt collector calls cease. Once the debt collector receives your request not to call, you may be able to recover damages if they continue to call you after legal notice to cease phone calls.
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 at 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.