subject: Three Reasons To Hire A Fair Debt Attorney [print this page] If you're being harassed by a debt collection agency, then you should think about hiring a fair debt attorney. These debt attorneys are what keep rouge collection agencies from running over people who are having a difficult time paying their bills. The number of overdue accounts has risen drastically in the past few years with the downturn of the economy, and people who used to have great credit are now finding themselves at the mercy of ruthless debt collectors.
The good news is that, even if you legitimately owe a past due debt, you still have rights given to you by the Fair Debt Collection Practices Act. The Act describes how debt collectors are allowed to interact with you when attempting to collect a debt, but unfortunately, many of them ignore these rules. That's why debt attorneys are becoming more and more in demand than ever before. Consumers are sick of debt collectors trampling their rights, and in fact, the number of FDCPA lawsuits has risen. If you find yourself in this position, here are a few tips for finding a qualified fair debt attorney.
Stop Communications
Perhaps one of the most stressful things about dealing with bill collectors is having to communicate with them, whether that's on the phone, by mail, or in some cases, in person. But the Fair Debt Collection Practices Act states that once you've hired a fair debt attorney, the collection agency is no longer allowed to contact you-at all. If they wish to communicate with you, they must only talk to your attorney. And the good news is that debt attorneys know exactly how to deal with debt collectors.
Protect Your Credit Score
One of the weapons that bill collectors use is putting a bad mark on your credit score. A negative mark on your credit report can affect your ability to buy a home, rent an apartment, buy a car, or even get a good job. But debt attorneys know the rules that debt collectors must follow, so they won't be able to make vague threats about ruining your credit in order to scare you into paying a bill. A good fair debt attorney will talk to you about your specific debt, and whether or not your credit report is truly at risk. If it is, they can advise you on how to keep the negative mark off of it.
Stop the Harassment
Some debt collectors harass consumers because they don't think consumers know their rights, or even if they do, they won't follow up on them. But when debt attorneys represent consumers, most debt collectors immediately recognize that the consumer is serious about protecting his or her rights. And since all communications will have to go through the fair debt attorney, the debt collector won't have a means to harass you.
Having a good attorney on your side is always a good idea, but when it comes to dealing with debt collectors, it just makes good sense.
