Details About What You Should Do If a Debt Collector Has Sued You

If you have a valid debt and nothing is done by the collection agent to breach the FDCPA, then the only alternative is to actually settle the debt. This choice really just has benefits. First, you get rid of the debt and then the collector’s endless phone calls won’t be there. There have been reports of debt collectors seeking to recover debts that have already been paid; advise them to stop if this happens to you, and then sue if it goes on. More tips here What You Should Do If a Debt Collector Has Sued You

If a debt collector who uses unethical collection tactics such as harassing phone calls, calling at all hours of the day and night, contacting your neighbours or co-workers, or calling without permission on your mobile phone is contacting you. They are obviously dishonest if a debt collector is deliberately committing all these offences, then why should you trust them to treat your money properly and credit your account? You oughtn’t.

A good choice is to look into filing a case against the abusive collector if you’re in this situation. Suing is the best hope of stopping the abuse and you may collect any damages that you might be entitled to. The downside is that if you’re not prepared to see it all the way through to trial, a case is a very serious matter and should not be entered into.

You can consult an experienced consumer advocate if you have further concerns about how to get a debt collector to avoid calling you. Whether it is paying the debt, sending a cease and desist letter, or suing the debt collection agency, an attorney may advise you on what is your best choice.