Creditors try their best to collect the outstanding debts they are owed, using all manner of tactics to do so, including sending collection letters and making persistent phone calls that never seem to stop. Sometimes, these efforts amount to harassment. People often feel resigned to put up with this behavior, but the truth is that consumer debt collectors are not lawfully able to harass you for the money they are owed. Consumers are protected by the Fair Debt Collection Practices Act, which lays out the rules for how collectors can pursue payment for unpaid debts.
This area of law can be difficult to field through and debt collectors often employ deceptive and abusive methods that violate the rights of consumers. Therefore, your best course of action is to hire a consumer protection attorney who can protect your rights and put an end to these unfair practices. If you're rights have been violated, you may be entitled up to $1000 in statutory damages, actual damages, and attorneys fees.
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What a Consumer Protection Attorney Can do for You
An attorney will be able to handle all future interactions with your debt collectors, immediately taking some of the pressure and stress of this situation off your shoulders. He or she can ask the creditor to provide proof of the amount of debt that is owed, verify its accuracy, and confirm that you are the debtor who owes it.
By alerting them to the fact that you now have legal representation, collectors would be prohibited from contacting you directly. Having an attorney on your side is not only useful for protecting your rights and ensuring your creditors do not engage in the unlawful practice of collector harassment, but it also makes debt collectors more willing to negotiate a payment plan and settle for a lower sum.
Speak to an FDCPA Lawyer in New York Today!
If you are overwhelmed by credit card debt and debt collectors are persistently harassing you for payment, you should consider hiring a debt relief attorney to represent you and protect your rights. At the Law Office of Simon Goldenberg, PLLC, our knowledgeable consumer lawyers will ensure you are not taken advantage of or subjected to the kind of abusive behavior that is often exhibited by debt collectors.
Obtain the representation you need during this stressful time and contact us at (888) 301-0584 to schedule a complimentary case review.