Do you think your creditors are using
unfair debt collection practices against you? If so, ask yourself the following questions:
- Are debt collectors hounding you?
- Does the debt collector call you throughout the day?
- Have your employer or relatives been contacted by debt collectors?
- Did the debt collector threaten you or use profane language?
- Has your experience with creditors made you feel humiliated?
- Did a debt collector lie, deceive, or mislead you about your account balance?
If you answered yes to any of these questions, then you may have been subjected
to unfair and illegial collection practices against you. There are steps
you can take to make this harassment stop. In some cases, you might even
be able to recover
statutory damages of up to $1000 and any actual damages plus attorneys
fees and costs. In this blog, we explain how to assert your rights to protect yourself
from debt collectors.
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Know Your Rights
Read about the
Fair Debt Collection Practices Act to find out how the FDCPA applies to your debt and what actions debt collectors
are prohibited from taking. Review the information about debt collection
practices on the websites for the
Federal Trade Commission and the
Consumer Financial Protection Bureau. Keep in mind that the FDCPA only applied to consumer debts, taken for
personal and household purposes.
Be Calm & Deliberate
When dealing with debt collectors, always take the high road. Debt collectors
usually work on commission, which means they are highly motivated to get
as much money from your pockets as they possibly can. Some of these collectors
will employ intimidation tactics, especially if they assume the debtor
doesn’t know their rights.
Don’t be tempted to lash-out against a debt collector. Keep an even
demeanor and don’t make any promises you can’t keep. Be honest
and don’t attempt to intimidate them. Assume that your conversations
are being recoreded, so if the collector gets riled up and you remain
calm, you come out looking better.
Keep Good Records
Debt collectors generally use postal mail and the telephone to contact
borrowers. Keep all correspondences and documents related to your bank
accounts and financial statements.
Whenever you speak to a collector over the phone, get their name, call
back number, and the company they work for. Take notes on your interaction,
your notes will come in handy when you make a formal complaint or file
a lawsuit. You should consult with an attorney about the laws in your
state to determine if you can legally record the calls you get from debt
Talk to an Attorney
If you are being harassed by debt collectors, you should speak with an
experienced lawyer to discuss what legal options are available for you.
A lawyer can collect evidence of your harassment and help you file a lawsuit
against them. Our team at the Law Office of Simon Goldenberg PLLC is standing
by to address your concerns.
Call or Click To Schedule a
Free FDCPA Evaluation -
At the Law Office of Simon Goldenberg, PLLC, we help clients obtain the
justice they deserve. Our legal team is committed to protecting your rights
and we are prepared to fight for you. Contact our New York debt relief
attorney to schedule your free case evaluation today.