Dealing with Debt Collectors
If you are receiving calls or letters regarding debt owed, there are a number of ways to handle the problem. If you believe you are receiving these notices in error, or if the amount claimed is different from what you believe you owe, do not pay more than you owe until you can verify the debt is real and correct.
Know your rights
In the case that you do owe the amount claimed, you have rights regarding how the debt collectors interact with you. They are not allowed to: harass you, make false statements, take unfair actions, or make threats. If you are experiencing these issues, make a formal, written request to the debt collector that they stop. Send the request by certified mail, and request a return receipt as proof the collector received it. Make sure to keep a copy of the letter for your own records.
Harassment Calls
If the harassment continues, you can bring a lawsuit against the collection agency. Proving a violation and winning such a lawsuit may entitle you to payment for damages suffered. Remember that your debt will still stand, and you must still make payments on it, despite the illegal actions of the debt collectors.
Here are six things to know when a third-party debt collector contacts you. Get the information in writing. If you don’t believe you owe the money, dispute the debt in writing. Keep records of phone calls and messages. Debt collectors have many restrictions. Say little and stand firm. Don’t be afraid to negotiate. If you need the help of our lawyers contact Cook/Thompson today