Today it's not uncommon for consumers to deal with an abusive debt collector. Fighting debt collectors 101, even some attorneys are debt collectors and they may send you correspondence and call your home trying to collect a debt.
Since it's common for debt collectors to harass consumers, it's important that you know about debt collectors and your rights. Wondering how to beat debt collectors?
Well, if you encounter illegal debt collectors, suing may be the right course of action. Here is a closer look at the steps you need to take to build your case against a:
Step #1 - When Fighting Debt Collectors Check the Clock
If you're trying to build a case against an abusive debt collector, one of the first things to do is to check the clock.
When it comes to debt collectors and your rights, the law states in the Fair Debt Collection Practices Act that it is illegal to call debtors after 9pm in the evening or before 8am in the morning. If this occurs, ensure you make a note of the company calling and the time they called you.
Step #2 - Understand They Can't Contact Third Parties
Another step to take is to understand that debt collectors are not supposed to be contacting third parties about your debt. Only illegal debt collectors try this.
The company is only supposed to discuss debt with the debtor, although some states allow discussion with the spouse. If you want to know how to beat debt collectors, document it if they try contacting your neighbors, friends, or family members about your debt.
Step #3 - When Fighting Debt Collectors Document Threats
An rude debt collector may actually threaten you and if this occurs, it is important that you document the threats. Often harassment starts as soon as you answer the phone.
If they are cruel, verbally abuse, or they threaten to arrest you, they are breaking the law. Always write this down, since it will be pertinent to any case you may have against the illegal debt collectors.
Step #4 - Look Out for Misrepresentation
While some attorneys are debt collectors, it's important to look out for misrepresentation from debt collectors. Some will misrepresent themselves by trying to hint that they are attorneys.
Pay attention and see if they try to act as if they are working for someone else. If they deliberately misrepresent themselves or try to deceive you, you can use this in court against them.
Step #5 - Ensure Everything is Documented
When it comes to debt collectors and your rights, many laws are already in place to protect you. You just need to make sure that you know the laws so you can avoid being the victim of an abusive debt collector.
If you do deal with abuse, you can find out how to beat debt collectors. The best thing to do is to ensure that everything is documented. Log all the phone calls you get from a debt collector.
Write down any interaction and anything you think is illegal. The documentation will make it easier for you to prove your case in court.
The most important thing you can do to take control of your debts and get your future back on track is to do something. Take action. Fighting Debt Collectors 101, Starting Today, you will have the debt elimination knowledge and power in your hands to easily change your life financially!
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