How To Deal With Aggressive Debt Collectors
Debt collectors can sometimes get on your nerves by calling or harassing you. This situation can be really annoying and difficult at times when the debt collector starts to misbehave, threaten, or abuse. If you are facing any of these problems with your debt collectors, you should know what to do. If you are afraid, tired, and just want to get rid of the harassment, make sure you follow these steps and save yourself from aggressive debt collectors.
Make sure the collector is real
First thing you need to do is to make sure the person calling and threatening you is a real debt collector. Ask for the person’s identity and the agency he/she works with. It would be foolish to take all the stress without knowing if the person is real or not in their claims.
2. Send a notice
The first thing you should do if you are being harassed by a debt collector is to write a notice. You need to tell your debt collector to stop calling you. This will be a written way of expressing your will.
3. Don’t be afraid
Many people get scared of debt collectors that threaten them to get the money. You should know that you have individual rights and even if you owe money to someone, you cannot be harassed. The FDCPA does not allow debt collectors to harass or threaten anyone.
4. Written Communication
You need to answer the calls of your debt collectors and let them know that you are not comfortable with all the calls. It is your right and it is better to communicate with the debt collectors in written form. This way you can save all the records and show them to the FDCPA when needed.
5. Get in touch with a lawyer
Biloxi Bankruptcy Lawyer’s Chris Davis is a professional that can help you with debt problems and bankruptcy. If you are being harassed by a debt collector then you can contact us for a free consultation to learn how we can help you fight for your rights. We will guide you and tell you about your rights throughout the entire process.
6. File for a lawsuit
If you have tried all of the above ways to get rid of the threats coming from a debt collector and you still find yourself being harassed, you can file a lawsuit against the collector. If you have saved all the mails, letters and notice record then you can show that to the FDCPA and may even win the case.
7. Deal with debt collectors smartly
Ignoring the calls and not contacting the debt collectors because you are too afraid or embarrassed will only create a bigger problem. Pick up your calls, confirm the collector’s identity and the agency, send a notice, contact through mails and take help from a bankruptcy lawyer. If you are being harassed then you have every right to file a lawsuit against the debt collector. There is nothing to be afraid of even if you owe that person some money.