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Can Creditor Harassment Be Stopped?
Are you getting collection calls too early in the morning or too late at night? Is your credit score being harmed by old, outdated information? Has someone threatened to put you in jail for not paying a bill? Has a collection agency made a physical threat or used profanity when attempting to collect a debt? All of these things and more are illegal, but that doesn’t stop some unscrupulous debt collectors. Can creditor harassment be stopped? Yes, it can. We may be able to help.
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Debt collectors must treat you fairly. It’s the law.
If you fall behind on money you owe on credit cards, a bank loan, or a mortgage, you may receive a call or letter from a debt collector. These debt collectors are obligated by law to treat you fairly, and there are certain things they are not allowed to do. The law is called Fair Debt Collection Practices Act or FDCPA. Learn more about FDCPA
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What you should know
Only hire a debt negotiation service if you owe several thousand dollars. If the amount of your debt is less than $5,000, chances are a debt negotiation attorney is not right for you. Depending on the amount of settlement accepted by the creditor, you might save more from the attorney fees if you negotiate with the creditor on your own. If you set an unreasonable date to reach a debt settlement, you’ve weakened your debt negotiation attorney’s bargaining position significantly. Debt negotiation and settlement is an alternative to bankruptcy. It is not the same as credit counseling or debt consolidation. Debt negotiation involves a lump sum settlement. Debt consolidation generally involves extended payment plans. Debt negotiation and settlement can … Read entire article »
What Others Are Saying
“I can’t tell you what a relief it has been since you took my case. This collection agency has been a nightmare that I will never forget…” Read more Testimonials from real people. … Read entire article »