Dealing with debt collectors can be a stressful experience. If you are feeling overwhelmed by constant calls from debt collectors, our firm is here to help. Please continue reading and reach out to a dedicated Montgomery County debt collection harassment lawyer from Mudrick & Zucker, P.C. to learn more about the steps to take if a debt collector is harassing you and contact our firm for guidance. Here are some of the questions you may have:
What Steps Should I Take if a Debt Collector is Harassing Me?
If you are currently being harassed by a debt collector, you should take the following steps, if possible:
- Keep Detailed Records: Write down the date and time of each call you receive. Note the caller’s name, company, and any relevant conversation details.
- Know Your Rights: Familiarize yourself with the Fair Debt Collection Practices Act (FDCPA). This federal law prohibits debt collectors from using abusive, unfair, or deceptive practices.
- Request Written Validation: Always ask for a debt validation letter. This document should provide detailed information about the debt they claim you owe.
- Do Not Provide Personal Information Over the Phone: Safeguard your personal and financial information. Never give out sensitive details unless you’re certain of the caller’s identity and legitimacy.
- Consider Writing a Cease and Desist Letter: If you wish to stop the calls, send a written request to the collection agency. Under the FDCPA, they must cease communication upon receiving this letter.
- Consult with a Debt Collection Defense Lawyer: An experienced attorney can offer guidance tailored to your situation. They can help you understand your rights and potential defenses against collection actions.
Can a Lawyer Really Make a Difference in Debt Collection Harassment Cases?
An attorney experienced in debt collection defense can be invaluable. They can negotiate with collectors, represent you in court, and ensure your rights are protected. A knowledgeable lawyer can also identify violations of the FDCPA, potentially leading to lawsuits against the debt collector.
Pennsylvania’s laws provide additional layers of protection. The state’s Fair Credit Extension Uniformity Act mirrors the FDCPA in many respects. However, it also includes specific provisions applicable only within Pennsylvania. These state-specific protections can play a significant role in your defense strategy.
If you have further questions or you need a team of legal advocates who can effectively fight for your rights, please don’t hesitate to contact Mudrick & Zucker, P.C. We have effectively fought on behalf of debt collection harassment victims for decades, and we are prepared to fight for you as well.