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Protecting your Rights from Cruel Bill Collectors

Bill collectors can also be referred to as debt collectors. This kind of people are hired by companies to collect bills of delinquent clients. One hardly escapes debts. There comes a time when debtors fail to honor their commitments within a specified time. Bill collectors present themselves at this particular moment to execute their tasks. In such moments, debtors may undergo the burden of paying a late fee. However, there are debt collectors who do their job ruthlessly. Surely, you cannot sit back and receive any sort of harassment. You need a lawyer to protect your rights and defend you in a court of law.

You need justification before looking for a lawyer. Some actions directed to you by some of the debt collectors may serve as evidence in a court of law. The following are examples of such acts. A formal communication should be made to you by the debt collect collector early enough. The appropriate time for this is between one and two weeks. It is possible to have forgotten about the debt due to personal reasons. Receiving a notice summarizing the nature of your debt, amount due and deadline for the payment will make you realize your delay. This gives you a chance to pay in good time while at the same time redeem yourself.

At no point are debt collectors allowed to involve third parties in your debt collection cases. Such details are only revealed to an attorney. Why is this important? Confidentiality plays a huge role in money matters and in this case Debt collectors are not supposed to reveal information concerning the money you owe to a credit company unless it is your spouse. The end of it all may be embarrassing.

The third thing is that debt collectors are not supposed to harass you. There comes a time when debt collectors become a nag. Some call repeatedly even in late hours. Some go ahead into threatening you with harsh words. Some keep knocking at your door now and then. There are also those who go ahead into following your every move. When found in such a situation, tell them to stop. Look for a lawyer if they fail.

Four, debt collectors should not tell you to pay more than you owed a credit company. There are times when debt collectors go beyond into demanding a higher amount than you owe to a credit company. This is not supposed to be the case. Get a lawyer when found in such critical situation. While backing all the details with necessary documents, narrate everything in details. In any case, your peace of mind and life matters more than anything.

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