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Standing Up to Debt Collectors

One of the worst parts of dealing with debt collectors is the feeling of being pushed around. Your life is somehow molded by those phone calls, and it can be a major hit to your day-to-day happiness.

But there’s a difference between annoying and criminal, and sometimes debt collectors must be put in their place. In an earlier post, we discussed your protection under the Fair Debt Collection Practices Act (FDCPA). These regulations bring you more than peace of mind; they also provide a compelling reason to hold violating debt collectors accountable.

Here are a few reasons to consider standing up to those misbehaving collectors.

Legal costs are covered if you win your case.

When it comes to considering litigation, attorneys fees make many people stop in their tracks. But if you are confident in saying that you were harassed by debt collectors using unlawful practices, they need to be held responsible. Don’t let cost get in your way.

If you win the case against your collectors, they will be obligated to pay your legal fees. That includes attorney fees, court costs and any others associated with litigating the case. Most attorneys even accept cases on a contingency fee, which means that you owe nothing up front.

You can be compensated for damages.

If you’ve ever been harassed by an aggressive debt collector, you know these people are no joke. It can cause stress and anxiety and be a real hit to your day-to-day life.

If you decide enough is enough, you could be entitled to up to $1,000 in statutory damages. This laws were put in place for a reason, and creditors know that they could be held financially responsible for their behavior. If you have suffered at the hands of a debt collector, consider taking actions. This includes strained relationships, stress or loss of sleep, or negatively affected job performance.

As always, we can help you to navigate this stressful time. Give us a call for more information.

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