Taking Action: Handling Debt Collector Threats

AppId is over the quota
AppId is over the quota

Generally, debt collectors are prohibited by law to threaten delinquent debtors with anything that they cannot legally do. They cannot threaten you to take your house unless they hold a mortgage on your home, they cannot threaten you with harsh language, intimidation tactics, name calling or freeze your bank account.

If you feel that your debt collector has crossed the line, you need to keep a good record of any and all threats made. Every interaction, conversation, phone calls must be documented. If you are in a position wherein you cannot take notes of any conversation with your debt agent, it's best to not answer the call or engage in the conversation.

When to Consult an Attorney

If you got served with a court summons, it is recommended that you seek the counsel of an attorney. Ignoring the summons will not make the problem go away. If you fail o respond to the summons on time, your creditor will be granted default judgment, which will allow them to legally garnish your wages or levy your bank account. An attorney can help guide you on how to handle the lawsuit and respond correctly. Additionally, you need to familiarize yourself with local court rules and get as much information as you about defending yourself Pro Se in court.

Stop the Harassment

You have the right to stop the harassment from a third-party debt agent at any time you choose. You need to create a Cease and Desist letter, indicating that you no longer wish to be contacted about your debt. The collector can send you one more letter to let you know what their game plan is and that's about it. However, do note that you might be contacted for the same debt by a new debt collector assigned to your case.

The fact is, thousands of debtors fall victim to aggressive collection efforts applied by debt collectors who want to shame or intimate them into paying up. The question is, will you let them get away with it? Will you let junk debt buyers or debt collectors step on your rights? You need to stand up for yourself and stop the madness. Don't let your debt collector bully you into paying. Learn how to fight for your rights and turn the tables around!

Credit card debt collectors are notorious for unethical practices and aggressive collection efforts. Don't just let them get away with using scare tactics to get what they want. You need to set aside your fears and fight for your rights to win your case.

Learn how you can handle credit card lawsuit on your own and WIN your case! Visit answeringasummons.com for more information.

Handling Your Debt Collector Like a Pro

AppId is over the quota
AppId is over the quota

No one takes pleasure in receiving incessant calls from creditors or debt collection agents. This is especially true for people who could not reach a settlement with their creditors. On the other hand, if you are faced by multiple debt collectors and being harassed with threatening phone calls to collect money from you, then they crossed the line. debt collection agents are known for applying dirty tricks to get what they want. Some are actually trained to go after friends, neighbors, relatives, and families of delinquent borrowers just to embarrass the borrower into paying up.

If you know that the collectors are in violation of the Federal Debt Collection Practices Act (FDCPA), you need to take action. Something as simple as asking for an extensive validation of the debt could make them go away temporarily. Essentially, you need to know your rights and you need to act decisively.

In most cases, debt collection agents will not threaten you with a lawsuit and often, they will settle out of court rather than follow through with the lawsuit. However, don't be surprised if you receive a summons but don't panic either.

Record Everything!

It's important to keep a record of every conversation, phone call or document exchanged between you and your debt collector. Make sure your debt collectors that you are recording everything, this will discourage him or her to making threats.

Know Your Rights

You have the right to demand full validation of the debt history. Also, knowledge is your best defense against debt collectors. Familiarize yourself with your own state laws regarding debt claims. Assert clearly that you know your rights and you are not afraid to fight for what's right. That should make even the most aggressive credit collector to back off.

Learn More about Federal Debt Collection Practices Act (FDCPA)

Think your debt collector crossed the line? Then it's time to check practices under the FDCPA. File a complaint against your creditor if they continue to harass you, your neighbors, your friends or your family.

Cease and Desist Letter

You need to tell them in writing not to contact your again. If ever they do contact you again, it should only be to notify you of their follow up plan, no more, no less. They cannot contact your at work if you told them not to and any intimidation tactics are forbidden. You have the right to file a lawsuit against your creditor or debt collectors for any violation of the FDCPA rules.

Learn how you can handle answering a summons on your own and WIN your case! This groundbreaking eDocument will help you end all debt claims and fight credit card lawsuit! Visit http://answeringasummons.com/ for more information.