When it comes to life's unnecessary annoyances, few things are as frustrating as repeated calls from debt collectors. They always seem to call at the worst times; dinnertime, late evening, right at 9 a.m. in the morning ...' the list goes on. But are there ways you can stop debt collection calls? Absolutely!
The Fair Debt Collection Practices Act, passed in 1978, was designed to eliminate abusive practices by debt collectors. It's important to know that if a collector is calling you non-stop, they are in violation of the FDCPA. There are specific regulations in place to prevent them from harassing you. This means that as long as collection agencies operate within the statutes of this law, they are allowed to contact you. But as previously stated, there are things you can do to limit or eliminate debt collection calls.
The first way you can help stop collections calls is simply to negotiate a payment schedule with your collectors. Paying off your debt will not only help reduce the frequency of calls to your home or cell phone, but also improve your credit score, too.
Enlisting the services of an attorney to represent you in debt negotiations is another option.
But before you do so, it's absolutely crucial that you document your interactions with debt collectors. This includes keeping records of who is contacting you, how they're contacting you, what they're calling about and what times they're calling. All of this is essential information that can help in stopping collection calls. Clinton Township-based Daniela Dimovski and Macomb Bankruptcy Attorney are skilled at dealing with debt collectors as well as Chapter 7 and Chapter 13 bankruptcy. Daniela is a well-established bankruptcy lawyer who not only knows the ins and outs of financial law, but will also walk you through the entire process.
No one wants to be bombarded with call after call by debt collectors. It's frustrating and stressful, but there is light at the end of the tunnel. With the help of Macomb Bankruptcy Attorney, you can put a stop to collection calls and get your debt issues back on track.