In the real world, things happen. Children have accidents that are not covered by insurance and rack up incredible hospital and doctor bills. Companies go bankrupt and people lose jobs. Regardless of the reasons why, there is nothing worse than getting behind on your bills through no fault of your own, and then being harassed by debt collectors. Both the lender and the consumer have rights under the Fair Debt Collection Act. Without doubt the lending agency is aware of its rights. Consumers who are being pressured to pay debts need to educate themselves as to their rights under the law as well. If you are being harassed by debt collectors then you may be well advised to seek the help of a Debt Collection Attorney Richmond such as Krumbein & Associates PLLC in order to learn whether or not the attentions you’ve been receiving from debt collectors constitutes the legal description of harassment.
Debt collectors don’t have a pleasant job. Some get paid according to the number of calls they make while others are paid by the amount of debt they’re able to collect. Either way, this sometimes translates to debt collectors who break the rules in their eagerness to earn. Limited by law to calls between the hours of 8:00 am and 9:00 pm, some call both earlier and later. Others will call your place of employment, which they are not supposed to do if you’re not supposed to receive calls at work. Some will call your friends and relatives and others will threaten to take your house or to garnish your wages, which is illegal. As is so often the case, they take advantage of of those who are vulnerable and unaware of their legal rights. This is another reason that those who are being victimized by collection agents should have a Debt Collection Attorney Richmond. Not only can an attorney stop the nuisance phone calls but he can also negotiate on your behalf with the debt collector or lending institution to settle the debt you owe, often for pennies on the dollar.
Even if you legitimately owe a debt, you still have the right to be treated courteously and with respect. If you are being annoyed with constant unwanted phone calls and/or threats it’s time for you to protect yourself with an attorney’s help.
