Owing money is stressful enough, having a debt collector on your back makes it worse. There are options for debt relief available. The Bankruptcy Attorneys at Hines Law serving the Boston area can help.
Stopping creditor harassment is an important step to getting back on financial track. Here are a few things to look for when it comes to being harassed by a creditor and some tips on how to stop it.
If you owe money, a creditor has the right to contact you to collect. The Fair Debt Collection Practices Act, however says debt collectors cannot harass, verbally abuse or oppress a debtor.
The most common form of harassment comes from repetitious phone calls. If the calls are intended to annoy, verbally abuse or threaten they are harassing you. Some other examples of harassment are phone calls at unreasonable times of the day, use of profanity, insults and derogatory remarks. Not disclosing who they are is also unacceptable as well as threats of violence or harm.
It’s important to keep records of what you are experiencing with a debt collector and contact an attorney. Personal bankruptcy may be an option for you. You have rights and it is important to know them!
Take a look at the following article on how to stop creditor harassment. We found it helpful and hope you do too.
5 Tips to Stop Creditor Harassment
Being in debt is horrible enough for most people. Having collectors calling constantly adds to that stress. If you are a victim of collection harassment, you know the sensation of feeling uncomfortable whenever the phone rings – knowing that it could ring at all hours of the day. Most people are simply going to endure collection harassment, assuming that they have no other legal alternatives or prevention that would help them against harassment. However, this is not the case.
The first thing that you have to do is realize that this is not going to go away on its own – ignoring the issue is not going to help. If the debt has already been turned over, the collection agencies have dozens of people who do nothing but make phone calls all day. The calls are not “just going to stop”. With these five tips, you are going to be able to stop collection harassment and become more aware of what your rights are.
Prepare yourself – know your rights
Countless people complain about all different types of collection harassment. The truth is that most people begin to feel uncomfortable answering the phone, this is the first thing that you need to change. Read full article here.
If you feel you are losing control of your finances and can’t keep up on your credit card or other debt payments call one of our bankruptcy attorneys today. Hines Law cares and will help you make the right choice for your financial situation. Gain control with sound advice, call us today!