If you are struggling with debt, one of the most terrifying issues you will face is the harassment of debt collectors. These individuals or companies are determined to do whatever it takes to get you to make a payment.
This can include threatening phone calls, an avalanche of bills and notices in the mail, intimidation and lies. While collectors are supposed to call within the window of 8 a.m. and 9 p.m., they often call at all hours. Their primary goal is to wear you down until you pay them.
Often the debts are incorrect or entirely bogus. Many people simply do not have the money to pay. Unfortunately, too many victims feel like there are no options. At Bensley Law Offices, our consumer law lawyer fights for individuals who are suffering the constant harassment and intimidation of collectors and debt buyers. Call us today in Philadelphia at 267-838-9654 or contact us online.
There Are Options. You Do Not Have To Live Like This.
There is a strict code of rules that collection agencies are supposed to follow. Many, however, do not. Any of the following types of behaviors may entitle you to seek money damages from that agency:
- Calling outside of the mandated window of time (8 a.m. – 9 p.m.)
- Intimidating or abusive calls, including obscene language
- Threats of lawsuits, wage garnishments, arrest or violence
- Contact at work or with anyone else about your debt
- Incorrect amount of debt or added charges
- False or misleading information
- Failing to identify themselves as debt collectors
- Repeated and continuous contact
- Inappropriate contact
Debtors often do not realize the rights that they have in dealing with the collectors, including the right to demand that the contact cease. By submitting a written letter, the collection agency must stop all communication, unless it is to notify you that it is exercising specific rights. You also have the right to demand that the collection agency prove or validate the debt that it claims you owe.
Philadelphia Debt Collection Defense
We can assist you in seeking action against collection agencies that have violated your legal rights, harassing you and disrupting your life. We will thoroughly investigate all communications and build a case against the collector for any inappropriate contact. In many cases, if the collector is found to have harassed the individual, he or she will be responsible to pay the attorney fees.
Put an end to the harassment and intimidation. To learn more about how we can help you hold these parties accountable for the inappropriate contact, call our office today at 267-838-9654 or toll free at 800-254-3497.