This Article is About
debt collector
delinquent debtors
cease and desist letter
scare tactics
friends and neighbors
debt collectors
local court
collection practices
creditor
answers to questions
intimidation
bank accounts
summons
Taking Action: Handling Debt Collector Threats
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Taking Action: Handling Debt Collector Threats

In most cases, credit debt collectors are not allowed by law to intimidate or threaten delinquent debtors with things that they cannot do legally. Therefore, they cannot threaten to seize your assets unless they hold a mortgage on your home. They cannot use intimidation or scare tactics, resort to name calling or freeze your bank accounts because these are grounds for a lawsuit.

If you feel that your junk debt agent is violating your rights in any way, you need to keep a good record on all the threats he made in every interactions. If you are in a position wherein you cannot record the conversation, you need to refuse to answer the call or engage in the conversation at all cost. By keeping a good record of all questionable collection practices your collector made, you can use it against them when the credit card lawsuit reaches court.

Should You Consult an Attorney?

If your creditor decided to go ahead with the credit card lawsuit then it’s best to seek advice from an attorney. You also need to check local court rules to determine how much time you have before you can send an Answer to the summons. If you failed to answer on time, the creditor will win the lawsuit by default and will have legal authority to access your bank account, put lien on your properties and garnish your wages. An attorney who is well versed on credit debt disputes will help you get answers to questions you may have regarding the situation.

Stop Your Creditor From Harassing You

A Cease and Desist letter is all you need to stop your collection agent from phoning you every day or go behind your bank and hound your friends and neighbors until you pay the debt. Once you sent out a Cease and Desist letter, your collector is forced to communicate with your through writing only and have to send a letter to let you know how they will collect the money. But do know that there are cases where you will be contacted by a new collector who is assigned to handle the old debt.

Aggressive collection agents are harassing thousands of debtors across the country in a bid to satisfy credit card debt. The question is, will you let them get away with it or would you stand up for yourself, fight for your rights and make them pay for all the threats and bullying? It’s possible to represent yourself in court without hiring an attorney and win the credit card lawsuit, as long as you got all the information you need to get started.


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