A debt collector can harass you in various ways–from phone calls to text messages and they can also publicize your unpaid sums of debts. Some will even threaten you of violence.
Have you experienced any type of creditor harassment in the past? Notwithstanding the debt that you owe, no one has the right to harass or intimidate you in paying in any way. Remember, there are legal guidelines that a collection agency should follow when it comes to collecting unpaid debts from debtors.
Now is the time to stop worrying. A debt collection lawyer will help you. Here is why it’s time that you get the right legal representation when you are experiencing any harassment from your creditors:
Put a Stop to the Harassment
All these threats and persistent text messages and phone calls have the risk of making someone spiral into depression. Unable to repay a debt can bring so much stress to anyone. But remember, there is nothing wrong about owing someone money.
If you hire a lawyer, your collection agency representative should address first all their concerns to him/her. This is the best way to put an end to all the harassment as your counsel will only send a written notice to the collector.
Have a Financial Counsel at Your Disposal
Hiring a debt collection lawyer will grant you a handy counsel on the best way to solve the financial crisis. Instead of the usual, borrowing money to repay the current debt, your counsel will stop you from further digging into a deeper hole. He or she as an example will work out an appropriate payment plan with the collection agency and the lender.
Help You with Your Rights
The point of the matter despite you owing a huge amount of money is that you have some rights. These rights govern the dealings the go between you and the debt collection agencies. Some representatives of debt collection agencies will say anything to get you to pay – and they’ll make it feel urgent to get you to pay immediately.
Having no proper legal knowledge, it is hard to know what your rights are under this act. But there are laws to shelter you from such practices. A debt collection lawyer will tell you about these rights.
You Can File a Case against the Harassment
With the help of your debt collection lawyer, you can build a case against the debt collector. What they have done to you is illegal and is punishable by law.
Your legal counsel will ask you for all the evidence of harassment. Any form of recorded phone calls and messages sent via text. If both of you have built a solid case on this matter, then expect a compensation from the court for all the emotional trauma that has happened to you.
As long as you have evidence of harassment (call records, text messages etc) a debt collection attorney can help you build a solid court case against the collector and seek compensation for causing you emotional trauma.
On another point, your debt collection lawyer can use the violations done by the agency to formulate a negotiation on your debt settlement plan.
Finding a qualified debt collection lawyer is just the start of you being free of financial ruin. Once you have hired one, it is important that you cooperate and provide the attorney with the information he or she needs to work on your case. From your counsel, you should expect the right aptitude, ethical behavior, and adequate communication as your case progresses.