Do you know if you’re a victim of debt collection abuse? If your answer is ‘yes’ to any of these 5 questions, then understand that you're a victim of illegal debt collection practices.
Fortunately, there are various ways to defend yourself against abusive debt collection practices and save yourself from unnecessary harassment. Here are some of them:
If the collection agencies have violated the FDCPA laws, then our debt attorney can help you file a lawsuit against them. If you win the lawsuit, then you have a chance to win a financial compensation of $1000 from them.
What if the debt is valid but the collection agencies are violating the FDCPA laws? Well, in that case also, our debt attorneys can help you. They can negotiate with your creditors and make a settlement agreement with them.
Sometimes, creditors/collection agencies file a lawsuit when you don’t pay them even after their repeated requests. In that case, a debt attorney can also help you. He can help you to make affirmative defenses against the credit card lawsuit. You can get sample answers with affirmative defenses and give a reply to the summons. That may help you to defend yourself.
If a debt collector asks you to make payments over the phone, don’t act accordingly. Always ask the debt collector to validate the debt in writing first. Once you know that the debt is valid, you can pay the collector.
(i) They won’t contact you anymore
(ii) They intend to file a lawsuit against you
Collection agencies often use scare tactics to get money from you. It’s a money game after all. You have to understand this and try to play the game like a pro. Collection agencies will say a lot of things to scare you. But they can’t do half of the things that they say. They can report collection accounts to credit reporting agencies. They can even file a lawsuit against you to garnish your wages, levy your bank account, and impose a lien on your property. But that’s all they can do.
Collection agencies often violate the FDCPA laws to get money from you. That is illegal. You have to understand what is debt collection defense, and how to implement it. This is the only way to safeguard yourself against debt collection scams.
Call our Toll FREE Number 800-530-OVLG to learn more about debt defense. Read FDCPA laws to understand your rights as a debtor. On the other hand, do have a clear picture of the reality as well. You can’t avoid legitimate debt collection attempts. In that case, you have to either pay the total outstanding balance or you have to enroll in a debt relief program to get back on the right financial track.
Last Updated on: 09 Apr 2020