If you have collection accounts, meaning past due debt that you haven’t paid, than you know exactly how down right frustrating it can be when you are getting harassed by debt collectors. It may feel that the sky is falling whenever the phone rings at home or at work. A debt collector or even multiple debt collectors may be calling you multiple times per day, each and everyday. These scoundrels may be contacting your family, friends, neighbors, or even your employer about your debt. That is not only embarrassing, it can be demoralizing.
Some debt collectors may make you feel like a piece of garbage through insults, threats, and just plain old swearing at you. The thing is you don’t deserve to be treated this way. You may have made a mistake in the past that caused a debt or multiple debts to go into collections. You may have a valid reason for this such as a loss of a job or a reduction in your salary or hours. You may even have lost a loved one, or become ill to the point that you simply couldn’t work for a while. Even if you just made a plain old mistake, you certainly do not deserve to be treated with disrespect.
Everyone makes mistakes, and more people than you may realize make mistakes with financially related situations. Not paying your bills, based on any situation, certainly doesn’t make you less of a person. It doesn’t allow others to make you feel that way either. In fact, if and when a debt collector is insults you, swears at you, or makes scary sounding threats they are the ones in the wrong. In fact, they are in the wrong from more than being a decent human standpoint.
The fact of the matter is that when any debt collector treats you badly, they are committing something called debt harassment. So what exactly is debt harassment? The definition of debt harassment or debt collection harassment is to intimidate, abuse, coerce, bully or browbeat consumers into paying of a debt that is owed. Although this mainly occurs over the phone, it can also happen in the form of emails, text messages, and direct mail.
Debt harassment also happens when the debt collector communicates with your family, friends, neighbors, or employer in any manner. The bottom line is that debt collectors are allowed to attempt to recover the money that is owed to them or their clients. However, they are not allowed to use either deceptive or threatening techniques in order to do so.
If you feel that you are being treated unfairly by a creditor or collection agency, please contact us immediately. Legal Rights Advocates, Inc. is a consumer advocate law firm that focuses on consumer rights protection services across the Unites States. We have well over twenty-five (25) years of combined experience helping consumers that are experiencing Debt Collector Harassment, Social Security Disability issues, and a whole lot more. LRA is truly your consumer rights advocate. We take great pride in the fact that our job is to protect you from deceptive and or abusive debt collection practices.
LRA is an accredited member of the Better Business Bureau, and we have well over 500 Five Star Rating Reviews online from across the United States. Our goal is to assist you each and every step of the way regarding your rights for consumer protection. Please call us today for more information at 855-254-7841 or click here to visit our website. We look forward to working with you.
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