If you are a victim of debt harassment we have some good news for you. The federal government has a set of rules and regulations in place that forbid creditors, debt collectors, and collection agencies from taking part in certain practices that are considered to be unethical and against the law. The problem is that the vast majority of consumers are completely unaware of these rules and regulations that prevent debt collectors from harassing you. That is exactly why some less than honest debt collectors continue to use these tactics on people.
The bottom line is that anyone that is attempting to collect a debt from you is supposed to treat you in a respectful and dignified manner. They are not allowed to insult you, swear at you, or make you feel like you are a criminal. Everyone makes mistakes in life. Often time’s people don’t pay their bills due to unforeseen circumstances such as a loss of work, reduction of work hours, death or illness in the family, or they themselves become sick. Hard times can happen to anyone. It simply doesn’t matter what the reason is that you didn’t pay your bills; you still deserve to be treated fairly.
When debt collectors resort to debt harassment in order to attempt to collect a debt, they are not treating people fairly. Most victims of debt harassment in the USA simply don’t realize that debt collectors are not allowed to contact you after you formally ask them to stop contacting you. Please keep in mind that although you can ask a debt collector to stop contacting you, it certainly doesn’t mean that the debt disappears. The debt collector can still send the account to an attorney in order to sue you in a court of law, or even put a lien on your property.
However, they must stop calling, emailing, texting, and sending letters. The attorney must send you information about the lawsuit however, and this is typically done through the mail. Another thing that most consumers don’t realize about debt collectors is that they are not allowed to contact your family members, friends, neighbors, co-workers, or employers about your debt. This is a tactic that dishonest debt collectors often resort to in order to force people that are ignoring their calls, emails, text messages, and letters, to contact them back. When a debt collector contacts people around you it can be humiliating to say the least.
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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