Does the sound of your ringing telephone make you cringe? Are you currently experiencing overwhelming feelings of anxiety, dread, and depression as a result of your financial status? According to experts, financial worry can cause both physical and mental health problems.
If your creditors are starting to negatively impact your health, then you might be experiencing what’s called collection harassment. What’s collection harassment, and how can you get it to stop? Get all your questions answered below.
What’s Collection Harassment?When you owe a debt, it only makes sense that your lender has options available to pursue the money you owe. These lenders and debt collectors who buy this debt are subject to the law, though, which means they can’t harass you.
According to the law, collection harassment occurs when your lender or a debt collection agency uses deceptive, unfair, or abusive measures in an attempt to get you to pay them. Although you owe money, you still have rights. Lenders and debt collectors cannot:
· Illegally contact a third party about the debt you owe
· Use profane or abusive language with you over the phone or through email
· Calling your phone dozens of times in a row
· Asking you to pay more than the amount you owe
· Illegally forcing you to pay interest, expenses, or fees
· Calling in the middle of the night
· Threatening illegal enforcement actions
· Asking a third party about your location or contact information
· Using threats of violence
· Continuing collection actions after receiving a cease order
If you’re experiencing anything like the above scenarios, then it’s advised you seek out the advice of an attorney right away. Often, debt collectors will attempt to contact you through deceptive means. They may be very vague or refuse to identify themselves until after they’ve verified who you are. They might also demand payment and verbally threaten you.
Are you suffering from collection harassment? Depending on your situation, the agency attempting to collect the debt from you may be liable to pay damages to you for their harassment. That means you may get compensation for any emotional suffering, medical expenses, or lost wages that resulted from a creditor’s unfair and illegal actions.
While this measure can help get your lenders to stop violating the law, that doesn’t mean you won’t still owe them a debt. Learn what you should do if you’re experiencing collection harassment below.
Steps to Take if You’re Experiencing Collection HarassmentSometimes, debt collectors go to extreme measures to get you to pay them. They might try to contact your employer or relatives. They may threaten to have you arrested or call you at all hours of the night. You do not have to put up with this abusive behavior.
If you’re struggling with losses you suffered due to a creditor’s illegal actions, then it’s important to consider hiring an attorney. A good lawyer will make your debt collectors stop harassing you. Here are a few options that are available to you:
· Ask your collector’s communications to go through your attorney
· Filing for bankruptcy – will halt all collection efforts
· File a lawsuit against the debt collector for abusive and illegal actions
Once you’ve hired a lawyer, your attorney will discuss your options with you. When you decide to move forward with a claim, our lawyers at Kansas City Accident Injury Attorneys will help you file the paperwork, inform the appropriate parties, and prepare for your day in court.
Do You Need Help Getting Debt Collectors Off Your Back?At Kansas City Accident Injury Attorneys, we know how frustrating it feels to not be able to pay your debts. Our skilled attorneys are prepared to help you stop collection harassment. We’ll help you determine what your options are moving forward and whether bankruptcy could help you discharge some of the debts you owe.
Are You Considering Filing For Bankruptcy?
If you feel bankruptcy is the best option for your financial situation you need to speak with an experienced bankruptcy lawyer as soon as possible. Please contact us online or call our office directly at 888.348.2616 to schedule your free consultation.