In these hard times of economic uncertainty, unstable housing market, and a rise in unemployment, many have fallen in to heavy debt. Debt collectors will start to call and pile up, the person in debt will start to feel like they are trapped and that there is no possible way out of their current situation.
Though there is a fine line between fair and unfair debt collection, you can seek help from professionals to help you fight unfair debt practices and as well as find a way out of debt. You will have to touch up on your rights and a good course of action. If you are faced with debt collectors that are only causing more stress and are using shady tricks to collect money that you might not have, it’s pretty hard to think clearly at this point and its understandable for you to feel like there is no way out of this situation. Knowing your rights is one of the first steps to help with unfair debt collection.
Unscrupulous debt collectors rely on harassment to get their point across, they tend to step over the line, knowing your rights will help you stop them in their tracks. A debt collector is allowed to contact any references such as co-workers and or family members to obtain contact information such as your current address or place of work. But they are not allowed to repeatedly contact these other people for your information unless they have a valid reason to. In short, debt collectors are not allowed to harass other people just to get in touch with you. Your right to privacy is also well protected by the law, so debt collectors are not allowed to expose your debt to the public or humiliation in order to scare you into paying your debt.
But what if you are wondering what is the next course of action when you are faced with a lawsuit from a debt collection agency and need to find a way to combat a debt-related lawsuit.
First you have to know the importance of the summons. Some people think it’s wise to contact the agency and ask some questions to clarify things, others just pretend they don’t exist and ignore them until they go away. These are bad ideas. To fight an unfair debt lawsuit, the best thing to do is to actually respond, this does not mean that you are admitting guilty to their accusations. They will win by judgment if you don’t respond. You don’t even need to hire an attorney for to fight an unfair debt lawsuit. You can always hire an attorney for this and they are the best ones for you to get help with a debt lawsuit.