What Can I Do? - For a Start, Know Your Rights
When your rights are being violated by debt collection abuse and harassment, it may feel as though there is not much you can do to stop it. Debt collectors are usually good at what they do, and their tactics can make you feel trapped. Even when you say that you do not legitimately owe the debt or you cannot pay the collector at that time, some collectors may not leave you alone and the letters and phone calls may continue, sometimes at a relentless pace.
In a case like this, it is natural to ask what you can do to make the collections stop.
Talking with an attorney is always a responsible choice to help you understand your rights and what actions you can legally take to stop debt collection abuse and harassment. At the Pennsylvania law firm of Boyle, Neblett & Wenger, our lawyers help individuals fight these tactics by pursuing litigation against violating debt collectors and collection agencies. We will use our experience and legal knowledge to provide the advice and representation you deserve.
Don't Fight or Argue with Debt Collectors
One of the first things that a person faced with collection abuse needs to understand is that he or she will not win an argument against a debt collector. Debt collectors are trained to quickly assess people and to apply effective techniques in order to get payment. If you are argumentative or belligerent, you will likely be putting yourself at a disadvantage and will be giving collectors more to use against you in their collection efforts.
Instead, you should be polite and respectful during all contact with debt collectors. You should also keep detailed records of all contact, including phone calls, letters and e-mails. You should save any voicemail and take photos of caller IDs after collection agencies have called. These records may be valuable later on in your case.
It is also important that you do not divulge any personal information to debt collectors. Do not give them any bank account numbers, check information or other contact information that will allow them to take advantage of you. Do not make partial payments - even $5 - that may extend the statute of limitations and start the cycle over again.
Stay Safe and Contact an Attorney About Your Case
The steps mentioned above are helpful, but they do not completely address all the choices you have or what steps might be best in your particular situation. It can be difficult to know exactly what to do when you are faced with debt collection abuse and harassment. By talking with an experienced lawyer, however, you can stay informed about what you should and should not do in dealing with these companies. Our attorneys can protect you and may be able to pursue damages on your behalf. Contact Boyle, Neblett & Wenger toll free at 866-661-7930 for a free case evaluation and learn more about what you can do.
