Debt harassment in the USA is a growing concern, and it’s happening to millions of people on a daily basis. This is due to the fact that the vast majority of consumers are unaware of the fact that there are laws in place to protect them. The debt collectors know that you are most likely unaware of your rights. So they continue to use these dishonest practices in order to scare you. The bottom line is that when people are scared, it increases the odds that they will pay the debt off on whole or agree to a monthly payment plan. Neither of these options may be in your best interests though.
However, they’re definitely in the best interests of the debt collector. In essence, you may have been able to settle with the debt collector instead of paying off the entire balance of the money that you owed them. You may have been able to negotiate better terms for the monthly payments that would save you money in both the short term and the long term. Once again, it is hard to think straight when you’re scared. Most of us make moves out of desperation during these situations.
For example, you may agree to pay off the balance in full just to get the collection agent off of your back although the collection agent would have been willing to settle for less money had you asked. By the way, the collection agent may very well be paid more money from their client if they collect the full balance of the debt. That’s why they are pushing you so hard. Debt collectors and collection agents know that they have the upper hand with you. That is unless you actually know your rights. They want to scare you into paying them.
Although it’s there job to collect on past due debts, they need to conduct themselves in the proper manner. That is exactly why these laws were put into place. The bottom line is that they are there to protect you. The good news that you no longer need to be scared, and you no longer need to put up with debt harassment. That being stated, it is always a good idea to consult with a consumer rights activist if you believe that you are being harassed by a debt collector or a collection agency. They will be able to provide you with the best advice.
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.