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Bill collector communications can be relentless. Odd hours, inopportune moments, during the workday – the calls just keep coming. From day until night, collectors will not hesitate to remind debtors that they are behind on their bills.
The harassing calls get tired quickly. Some people try to avoid the calls by sending them to voicemail or allowing an answering machine to take care of the issue for them. Others may simply leave a landline “off the hook” or block unknown numbers as they come in. While avoidance attempts may take care of these communications immediately, they do little to stop them in the long run.
Many debt collectors remain professional but not all. Some will leave polite messages and communicate information regarding debt management strategies. Others, however, will resort to less professional tactics to get those with debt to pay up. The following are some of the most common strategies used by shady bill collectors:
Falling on hard times can happen to anyone. Some debt collectors, however, are not above a bit of social shaming. Collectors may decide to call friends and family in an attempt to shame you into repaying your debt. Harassment such as this shouldn’t occur, but it is unfortunately not an uncommon occurrence.
It is not uncommon for some debt collectors to resort to making threats. This is prohibited by the Fair Debt Collection Practices Act (FDCPA) but is not unheard of. The types of threats may vary, but some common ones include:
This is another tactic prohibited by the Fair Debt Collection Practices Act, which prohibits bill collectors from pretending to be federal officials or from federal agencies. Collectors may also pretend to be attorneys or representatives of consumer reporting agencies in an effort to intimidate debtors into paying up.
With knowledge of some of the dubious tactics bill collectors could use, it makes sense to want to find strategies to put a stop to these communications immediately
The most straightforward way to stop collector communications is also one of the most challenging – pay the debt. Paying off the debt owed takes away any reason for collectors to reach out in the first place. If the matter has been turned over to a collection agency, you likely will not be able to pay the institution you owe directly. Agreements between firms and agencies may have transferred the debt to the collections agency, and you’ll be making payments to them instead of the original financial institution.
Want those stressful debt collection phone calls to stop in Thornton, Colorado? The answer could be as simple as telling collectors that you prefer to communicate with them via written correspondence. Once you take this action, the individual is required to send future messages through the mail. This can stop those pesky calls and guarantee that you have records of all communications.
A cease and desist letter is a serious but effective move against debt collector harassment but is only an option with third-party collections agencies. For those dealing with their original financial institution or lender, this is likely not a viable option.
If you send a cease and desist letter, or request only written communication, this does not guarantee unwanted communications will cease. Keep records, collect evidence, and create an organized paper trail documenting all communications to potentially aid in any harassment cases if necessary. The presentation of your findings to a Thornton attorney may determine if you have the grounds to file a lawsuit against the collection agency. If the claim is successful, you could be awarded compensation for your trouble.
You don’t have to live in a constant state of financial overwhelm. A solution you might want to consider is filing for a Chapter 7 or Chapter 13 bankruptcy in Colorado. The process can be complex, and hiring Adams County bankruptcy attorneys is a user-friendly solution for any resident facing financial hardship.
Professional bankruptcy attorneys in Colorado have the experience and knowledge to determine the best possible outcomes for any unique financial situation. Adams County bankruptcy attorneys will guide you through the decision to file, the filing process, and the process of rebuilding your financial standing.
Additionally, contact with a bankruptcy attorney can put an effective stop to creditor harassment. After filing for bankruptcy, an automatic stay order will go into place immediately, which stops correspondence from credit card companies, medical billers, and other collectors.
A professional bankruptcy attorney will be able to steer you in the direction that is best for your particular situation. Our Adams County bankruptcy attorneys are experienced in handling every type of Chapter 7 and Chapter 13 bankruptcy case. Schedule a consultation today for more information regarding your next steps.
The best thing you can do when you are facing a home foreclosure is to speak with an Adams County bankruptcy attorney. With an extensive knowledge of foreclosure laws and their intricacies, there are many ways they can help clients to understand all legal options in order to make the most informed decisions. Bankruptcy attorneys guide you through the complicated process of filing for bankruptcy from the first step until the last. Your Thornton bankruptcy attorney makes sure that you have all your debts covered.
If you are concerned about a home foreclosure in Adams County, speak with a local bankruptcy attorney to explore your options. You don’t have to lose your home; an attorney can help you to find a way out.