Why Hire a Debt Collection Harassment Attorney?
Are you worried a debt collector is going to harass you? Or, are you currently experiencing harassment from a collector?
If you are, it’s time to stop the worry. We’re here to help.
Harassment can come in different forms, such as annoying anonymous calls, violence threats, arrest threats, abusive text messages, and publication of your debts.
Regardless of the amount of money you owe, no one has a right to harass or intimidate you in any way. There are legal guidelines collectors should use to recover money from debtors.
If you’re experiencing any form of harassment, it’s time to get a debt collection harassment attorney on your side. Here is why:
Here is why:
Put the Harassment to an End
There’s absolutely no shame in being in debt. If it’s any consolation, 8 in 10 Americans (80 percent) are in debt. However, being unable to repay what you owe can be very stressing. Add the persistent calls and threats of a debt collector and you risk slipping into depression.
Hiring a collection harassment attorney is the best way to put the harassment to an immediate end. He or she will send a written notice to the collector, informing them you have legal representation.
With legal representation, all communication from the collector to you must pass through your attorney. If they still harass you anyway, you can file for damages.
Receive Handy Counsel from Your Debt Collection Harassment Attorney
When you’re in a financial crisis, it’s easy to keep making financial mistake after financial mistake.
For example, you could keep on borrowing to repay your current debt, without realizing that you’re just digging yourself into a deeper hole. With a collection harassment attorney on your side, you have a professional who can give you the advice you need to stop making any further financial mistakes.
As an example, your attorney could let you know that the best way to solve the issue is to work out a suitable repayment plan with your lender. With this advice, you definitely won’t resort to needless borrowing in a bid to settle the debt and stop the harassment.
Help You Know Your Rights
Yes, you owe money, but you have rights, which are protected by the federal Fair Debt Collection Practices Act.
Without sufficient legal knowledge, it can be difficult to know what your rights are under this act. A debt collection harassment attorney will inform you about these rights.
For instance, the attorney will let you know that a collector is prohibited from calling you at inconvenient times, such as before 8 am and after 9 pm, or when you are at work.
Build a Case Against the Debt Collector
By now you know collector harassment is illegal and punishable under the law.
As long as you have evidence of harassment (call records, text messages etc) a collection harassment attorney can help you build a solid court case against the collector and seek compensation for causing you emotional trauma.
An attorney can also use any collector violation to negotiate a better debt settlement plan or even advice you to file a complaint with a consumer protection agency.
For one reason or the other, you may find it necessary to borrow money. And if you are, for whatever reason, unable to repay, your lender may enlist the services of a debt collection agency to get the money from you. It’s a common business practice, but collectors have to do their job within the confines of the law.
If you’re in the Tampa Bay area and you’re being harassed by a collector, contact us to request a free case evaluation or call to speak to a debt collection harassment attorney. Don’t suffer in silence.