Debt collectors trying to scare you? Get help from the right lawyers

 The typical American has $90,460 in debt, according to a research from 2021. According to a recent poll, 47% of Americans have a credit card amount due each month. 70% of them claim they will not be able to pay it off this year.

Despite the fact that debt is so widespread, those who owe money are stigmatised in our culture. People who are in debt sometimes feel too guilty to ask for the assistance they need. People who experience this kind of isolation are more likely to be taken advantage of.

In order to better prepare you for debt collectors' manipulations, we'd like to let you know about some of the most common scare techniques. We'll also let you know what you can do to change it.

Respect Your Rights

The Fair Debt Collection Privacy Act (FDCPA), which protects you against third-party debt collectors that use harassment and other unfair tactics to attempt and collect a debt, has been mentioned several times on this site. Debt buyers or third-party debt collectors are individuals who pursue the debt on behalf of the original creditor. You should be well-informed on what a debt collector is and is not permitted to do before interacting with them.

You can sue a debt collector for damages and attorney costs if they violate your FDCPA rights. An excellent, seasoned debt recovery collection defence lawyer can provide you with information, and many, including Attorney Debt Fighters, charge a fee for the initial session.

Avoid Being Manipulated or Intimidated by Debt Collector Scare Techniques

Even when debt collectors adhere to the law, dealing with them is unpleasant. The more prepared you are, the less likely it is that a meeting with a debt collector would frighten you and cause you to cave in to their demands when you really don't need to.

Threatening Quick Collection Actions That They Cannot Take 

Debt collectors frequently use threats of urgent collection action to pressure you into making an immediate payment. For instance, they could insinuate or explicitly say that they can start garnishing your salary right now.

You are not subject to collection proceedings like bank account seizures or wage garnishments until a debt collector takes you to court and wins a judgement against you. Even after receiving a judgement, they must still apply for court permission before beginning any collection efforts.

This entire process takes time. You have some time to reflect and seek assistance from an experienced debt collection defence lawyer.

Getting in your face nonstop

Many folks are already irritated and even terrified when debt collectors call. Since they are aware of this, debt collectors profit from it. The worst debt collectors may contact you throughout the night in an effort to frighten you. Some could even come knocking on your door.

These two strategies constitute unlawful harassment. Federal law only permits debt collectors to contact you between 8 am and 9 pm, which can be a burden in and of itself. A debt collector is only permitted to phone your number a maximum of seven times each week. They might not contact them again for another week after they've really spoken to you on the phone.

Conclusion 

You can be informed by a debt collector that you must make a payment by a certain date or the debt will significantly grow owing to additional costs. That is not the situation. Be aware, though, that if you continue to ignore a debt collector for a long enough period of time, the creditor will eventually likely take legal action against you, which could result in additional costs as well as a court ruling giving them the right to pursue actions such as wage garnishment or account freezing.