Collection agencies and intimidation

In his attempt to recover the debts of some professional collection agencies or collection attorneys can use certain procedures and illegal tactics of intimidation or unjustified. The Federal Fair Debt Collection Practices Act (FDCPA) was structured to protect debtors in such cases.

These collection agents known to people who are very strong as always armed with the necessary response on the tip oftheir languages. They may act aggressively when they are paid according to the amount that accumulates and must meet the stated objectives. However, the law prevents you called more than three times in one day. If you are calling may be legally defined as harassment. You can also ask them not to be contacted on certain days or hours.

You can completely avoid writing a call to "cease and desist" letter and send it by mail receiptso that you can not deny having received. E unlawful activity 'on your part to reject or avoid the letter, but the weight of the law implementing the letter is about you.

You can always ask the Agency to provide evidence of the debt. If you have been cited may request the attorney or agent to deliver to you a check FDCPA. This could save precious time that can be used to prepare the sessions of the court and certainly frustrate the collector, since it can not take any actionuntil verification is provided.

The next step is to file a denial under oath. Must be notarized and submitted to a lawyer and judge. This indicates that there is no debt, and require the collector to provide the court with a living witness to testify that the debt is valid. It can temporarily stop it.

The next step is to present the discovery with the lawyer and the judge. This is a written certificate certifying the petitiondocument production. Request the original signed document in which debt is brought to court. Now, as you can not afford an attorney to fight your case, you have to defend themselves in court.

Thus, bullying is the only weapon that collection agencies and lawyers have in their arsenal. The secret is not intimidated by them and be courteous to them at the same time.