Fair Debt Lawyer Best Way to Stop Harassment

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At one time or another in our lives, we might have taken out a loan or a debt. The factors that prompt us to repay it vary from protecting our integrity, avoiding a bad a credit report, but probably most importantly, it is the fear of harassment from the creditor.

When a debt is past its due date for payment, the creditor entrusts the responsibility of collection to a debt collector. The debt collector approaches the debtor to collect the dues. Sometimes the collector resorts to illegal means to collect the dues and harassment is one of the main weapons they use.

Harassment for debt collection is expressly banned under the Federal Fair Debt Collection Practices Act. But, still there are some debt collectors who continue to use harassment for collection. They do it with the full knowledge that many victims are unaware of this law.

One of the reasons bill collectors can get away with this is that most people generally want to repay their debts and feel obligated to respond in good faith when a creditor asks for repayment. Bill collectors, however, have a job to do. They don't really care about retaining good relations with past customers who have gone delinquent. They are usually third parties who have only one objective: to get the money you owe, and they can be quite ruthless in their attempts to get it.

There are many methods of harassment, but under the law there are certain prohibited tactics that cannot be used for the collection of debts. Abusive language is one of them, as well as communicating with third parties in the effort to collect.

Telephone calls can only be made between eight in the morning and nine at night. They cannot call your employer if you tell them not to. If the debtor is represented by an attorney, demands for payment must be made to the attorney.

Debt collectors cannot continue harassment if the debtor states in writing that they don't intend to pay. They also cannot make false statements about the victim and add unauthorized charges to the total that is owed.

The creditor has a right to ask the debtor to repay the debt. If the debtor does not, there are specific means open to the lender to force the borrower to pay up. They can stop any further lending and make a report to the credit bureau. The creditor can sue the debtor in a court and obtain a judgment. When the creditor obtains a judgment in his favor, he can get back his money only by recovering it from the debtor's wages or property.

The debtor can get temporary respite by negotiating with the creditor or the debt collector. If the situation gets out of hand the debtor can file bankruptcy which gives an immediate stay for all debt repayments. The best way to handle a situation in which you think you are being unfairly harassed by bill collectors is to contact a fair debt lawyer to assist you.

Article Source: http://depositarticles.com/

Nick Messe is president of The Lead Frog LLC. Learn more about the FDCPA - Fair Debt Collection Practices Act - and how it protects you from debt harassment. Visit FairDebtHelpers.com for a free evaluation of your case.

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