Debt Collection and Debt Harassment Lawyers
It can be quite devastating when you are not able to pay your debts, and the debt collectors are behind your back such that you cannot pick up any call for fear of facing their wrath. There could be various reasons for failing to pay your debts in time such as delayed salaries and unfortunately, most debt collectors do not give a listening ear to such unavoidable inconvenience.
In these harsh economic times, many people borrow money, and almost everyone one has a debt to pay. However, you might fail to adhere to your debt payment plan due to other financial inconvenience, or you might realize that the debt is too huge to pay comfortably. If this happens, it does not give the debt collector an opportunity to harass you in any manner. People are not aware of this, and that is why debt collectors have taken advantage of such situations to harass people, embarrass them and even lower their dignity in the presence of other people. A lot of people are suffering silently, and they have chosen it as a better option than to sell their homes, file for bankruptcy or forego their children education fees.
Debt collectors do not have the authority to harass anybody in as much as they have a right to claim the money that they lent. In fact, the law limits their powers, and in most scenarios, they do not observe the law in their duties. Many people do not know what the law stipulates about debt collection, and that is why the debt collectors have continued with their bad manners of harassment. If you are in such a situation, it is important that you seek the assistance of debt collection harassment lawyer. Such lawyers have a proper understanding of the law with regards to debt collection, and they will be in a position to protect you so that you comfortably pay the debt rather than facing harassment and threats.
A good debt collector harassment attorney should be aware of the existence of Fair Debt Collection Practices Act (FDCPA). The lawyer must understand the regulations and should interpret them to protect you against intimidation and bully from the debt collectors. This Act outlines strict regulations that debt collectors must observe. In most cases, debt collectors may not act in the best way that your lender would advocate and therefore, it is important that the debt collector should have proper identification and serve you with an official letter from your money lender. The collector must follow the due procedure for debt collection.