Bill collectors can also be referred to as debt collectors. These category of people are employed by firms to collect debts of delinquent clients. One hardly escapes debts. There comes a time when debtors fail to honor their commitments within a specified time. This is where bill collectors come in to do their job. Whenever creditors are caught in such situations, they may be forced to pay a late fee. But there are bill collectors who are cruel when dealing with clients. You cannot afford to sit back and receive any form of harassment. This is where you need to hire a lawyer who is not only going to protect your rights but also defend you in a court of law.
Before looking for a lawyer, you need justification. Some actions directed to you by some of the debt collectors may serve as evidence in a court of law. Some of these acts may be as follows. One, debt collectors should inform you of your debt prior through formal communication. The time may range between one to two weeks. Personal engagements might have made you forget about the debt. Receiving a notice summarizing the nature of your debt, amount due and deadline for the payment will make you realize your delay. This avails you the opportunity to redeem yourself and pay in good time.
Two, debt collectors should not involve third parties in your debt collection cases. The only person that is meant to know is an attorney. Why is this important? Confidentiality plays a huge role in money matters and in this case Unless it is your spouse, debt collectors are not supposed to tell everyone and anyone they meet about a debt you owe to a credit company. The end of it all may be embarrassing.
Three, debt collectors are not supposed to harass you. There are occasions when debt collectors become a nag. Some call repeatedly even in late hours. Others may even threaten you. Some keep knocking at your door now and then. There are those who monitor your every move by following you. When found in such a situation, tell them to stop. If they don’t, look for a lawyer.
Do not be asked to pay more than you owe a credit company and keep quiet. There are times when debt collector demand a higher amount than you owe a credit company. This is not supposed to be the case. When in such a situation, get a lawyer. Give all the details of your loan providing necessary documentation. In any case, your peace of mind and life matters more than anything.