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How to Deal with Creditor Harassment? By C.Noelle
Financial stress keeping you up nights? Debt collectors harassing you? Receiving threatening phone calls? Trouble dealing with financial stress? Falsely accused of owing money? Unsure of your legal rights? You’re not alone! You have powerful rights – learn 10 debt collection laws to protect yourself. Most of us have at least one thing in common - we have debt. If you’ve ever been late on a car payment, you may have received a few “friendly reminders” from a debt collection agency or bank. However, if you’ve ever been REALLY late or missed a debt payment, you may have even dealt with behavior bordering on creditor harassment. Some creditors call repeatedly at home and work; some may make threatening comments or ultimatums. This can be the most financial stress imaginable. Debt collectors understand it can be embarrassing if you’re struggling to pay your debts, and even more embarrassing to be accused of not paying them. They often use this knowledge to intimidate you into believing you’re powerless. Being late on a bill doesn’t make you a bad person. It also doesn’t take away your rights. It simply means you’re having a difficult time. As long as you’re trying to repay the debt, however slowly, you deserve respect and professionalism (even from your creditors). You Have Powerful Rights! If you have debts to pay, we encourage you to pay them. It’s also important to know your rights so you can defend yourself against creditor harassment. Learn the basics of debt collection laws to protect you. The Fair Debt Collection Practices Act (FDCPA) is a federal law requiring debt collectors to treat you fairly. It outlines your rights and is designed to protect you from abusive debt collection practices. Technically it’s meant for collectors, but many creditors also abide by it’s laws. There are also many state laws to protect you. Check with your State’s Attorney General’s Office for more information on state debt collection laws. There are a few definite rules collectors, attorneys or any third party representing a creditor has to follow in contacting you. The debt must be consumer or personal debt. The FDCPA does not apply to business debt.
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Ten Basic Laws to Protect You from Creditor Harassment: 1.No Intimidation or Creditor Harassment: They cannot threaten violence or physical harm to you, your reputation, or property. Debt collectors also cannot use abusive language. 2.They cannot call you before 8 am or after 9 pm of your time zone, unless you agree. 3.They cannot call you at work once you tell them your employer prohibits such calls at work. 4.They cannot contact you after you have written them a letter asking them to cease communication with you. 5.They cannot call repeatedly or call without identifying themselves as collectors. 6.They cannot make false statements such as: •Falsely represent the character, amount, or legal status of your debt; •Claim to be attorneys or government representatives; •Imply you’ve committed a crime or threaten your arrest; •Threaten action they do not intend to take, or cannot legally take; 7.They cannot add interest, fees, or charges not authorized in the original credit agreement. 8.They cannot deposit a post-dated check prior to its date. 9.They cannot publicize your debt except to a credit bureau. Debt collectors cannot notify you with postcards (others could read about your debt.) 10.They are allowed to contact other people only to find out where you live, your phone number, or where you work. They cannot contact a third-party more than once or tell anyone except your attorney that you owe money.
http://www.financialhealth4life.com/public/134.cfm”> Click this link to read more of this article online from the best online resource for debt related advice. Remember to visit FinancialHealth4life.com to save you from your creditors.
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Collection Harassment And Consumer Rights By Sandy Pensner
Very few people ever get into debt with the intention that they will not pay it off. Unfortunately, life can deal us all some tricky hands, and oftentimes it is just too difficult to see this obligation through. While it may not be your fault that you are suddenly unable to pay your debt, that won't stop the creditor harassment from coming. If you are the victim of credit harassment, it is important to know your rights under the law so you can handle the situation appropriately, snd speak with an advocate of Consumer Rights in GA . The first step in the process is to not be intimidated by collection harassment. You have rights under the Fair Debt Collection Practices Act (FDCPA), and if you are unsure of exactly what those rights might be, you can always report the creditor to an experienced attorney. In Georgia, a leading advocate for consumer rights is the law firm of Persily & Associates Georgia Consumer Rights, like the team at http://www.persilylaw.com, who can explain those rights to you and provide the necessary methods to protect yourself. If you do not live in Georgia, Persily & Associates Atlanta Lawyers may be able to help you find a collection harassment lawyer in your state. There are also a few simple steps that you can take yourself to ensure that your rights are protected and that creditor harassment ends. The first step in fighting collection harassment is to make copies of all correspondence, including envelopes that show postmarks. Before you contact a consumer rights lawyer to protect creditor harassment, the more complete your records, the more likely you will be to win your case. Make sure to document all phone conversations with the company as well, and write down any potential creditor harassment that takes place during those calls. These might include threats of imprisonment or garnishment of wages, profane or obscene language, or other types of abusive behavior. An attorney can advise you on additional procedures that may be appropriate, such as keeping recordings of your conversations. Finally, don't let creditor harassment push you into doing something you are uncomfortable with. Some creditors will try to persuade you to pay your debt using a post dated check or automatic withdrawals from your account. Others collection agencies may try to dictate the amount of the payments and the intervals in which they must be paid. Keep in mind that you are the one who decides how much and when to pay your debts, no matter how much creditor harassment is occurring on the other end. If the payments are more than you can afford, talk to your consumer rights attorney about setting up smaller payments that will be comfortable for your budget. Creditor harassment can sap your energy and create stress and strain in your life. The good news is that it doesn't have to. When you know your rights and have an experienced Georgia attorney on your side, you can stop creditor harassment and go back to the task of living your life. Sandy Pensner is experienced in the area of credit and collection harassment, and has been working in Atlanta, Georgia for consumer rights for a number of years. She consults with the law firm of Persily & Associates, a leading advocate of Consumer Rights in Georgia (http://www.persilylaw.com).
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This PDF eBook is for free Distribution only, it cannot be SOLD The Single Mom's Survival Guide Bethanny Davis draws on her own experience as a single mom to share helpful advice with readers. Click here to know more
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