Put An End To Illegal Collection Tricks
"If you have an attorney, the debt collector must contact the attorney, rather than you."
If there ever was a really good reason to use a bankruptcy attorney, you just got it.
In case you're not aware, collectors can be very aggressive and will do just about anything to separate you from your hard-earned money. This includes calling all the time, writing awful letters, making threatening gestures, harassing you, and using a variety of other nerve racking methods to pester you until you pay.
With that being said, if you decide not to use an attorney and file on your own, here's some information to help you:
- • A debt collector may contact your neighbors, business associates, family, friends or other people, but only to find out where you live, what your phone number is, and where you work.
- • Debt collectors are typically prohibited from contacting third parties more than once. Most of the time, a collector may not share with anyone else that you owe money other than you and your attorney, if you have one.
- • A debt collector has the right to contact you by telephone, in person, by mail, or fax.
- • A debt collector cannot make contact with you at inconvenient times or places such as restaurants, your church or before 8am or after 9 pm, unless you've made an agreement they can.
- • Debt collectors are prohibited to call your place of employment after they are told that your employer does not allow these types of contact.
- • After you are first contacted by the creditor, within five days they must send you a written notice showing the amount of money you are liable for, the name of the creditor to whom you owe the money, and the procedure to follow if you believe you do not owe the stated amount.
You can get a debt collector to stop contacting you by writing a letter to the collector telling them to stop. Once they receive your letter, they usually will not contact you again. Just remember, sending a letter to your debt collectors will stop their harassment, but it does not prohibit the collection agency or original creditor from suing.
Don't let any debt collector harass, oppress or abuse you or any
third parties, including your friends and family.
It's against the law.
Further, here's additional list of things they are not allowed to do:
- • Present threats of violence or harm.
- • Say obscene words or use profane language.
- • Use the telephone to call again and again to annoy you or another third party.
- • Publish your name because you refuse to pay a debt (the exception are credit bureaus).
In addition, collectors may not use any false or misleading statements when collecting a debt. For example, debt collectors may not:
- • Use a fictitious name.
- • Give false credit information about you to anyone, including a credit bureau.
- • Either mail, fax, email or hand deliver something that appears to be an official document from a court or government agency when it isn't.
Finally, collectors may not engage in "unfair practices" when they try to collect a debt. For example, collectors may not:
- • Collect an amount greater than the amount owed, unless your state law permits it.
- • Deposit a post-dated check ahead of time.
- • Utilize trickery to force you accept collect calls.
If putting up with bill collectors is more than you can handle, I can take care of everything for you immediately.
Then, tell the creditors you're in the middle of hiring a bankruptcy attorney and ask them to call back for my contact information in about a week.
As soon as you've given your creditors our phone number,
you won’t ever have to talk to any of them again, period!
Here's how to start. Call Gamm Legal right now at 402.659.4254. Let's discuss your individual situation for FREE.
Please notice, I didn't say call me between 8am and 5pm to make an appointment; We are here for you 24/7, because we understand the anxiety you're feeling...now!
"Whether it's noon or midnight, Wednesday or Sunday, we’re here to help right now:"