Tips for The Average Joe

Stop Debt Collectors and Unfair Debt Collection PracticesFight Back Against Unfair Debt

In these hard times of economic uncertainty, unstable housing market, and a rise in unemployment, many have fallen in to heavy debt. This is when the debt collectors start calling the person and this only makes them feel more trapped and hopeless.

Most collection agencies tend to cross the line and start harassing and start performing unfair debt collection practices, this is when it’s best for individuals to seek professional help and fight unfair debt collection practices. This battle will require knowledge of your rights and a positive 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 the first step to help you out and can lead to debt resolution assistance.

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. It is well within every right of the debt collector to gather contact information about you such as your place of work or current address from references such as family members or co-employees. 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. Also, a collection agency is not allowed to threaten you with public exposure or to humiliate you as you have the right to privacy and is protected by the law from these kinds of things.

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.

You need 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 start with. The best thing to do is to actually respond to the summon, this does not mean that you are guilty of their accusations. They will win by default if you don’t respond. You don’t even need to hire an attorney for to fight an unfair debt lawsuit. But if you do need to get help with a debt lawsuit, then you can easily hire an attorney just to be sure you can fight your debt lawsuit.