Times are hard with the uncertain economic landscape, coupled with the unstable housing market and the high number of the unemployment rate has left many in debt that they are very incapable of paying. Debt collectors will start to call and pile up, the person in debt will start to feel like they are trapped and that there is no possible way out of their current situation.
Most collection agencies tend to cross the line and start harassing and start performing unfair debt collection practices, this is when it’s best for individuals to seek professional help and fight unfair debt collection practices. This battle will require knowledge of your rights and a positive course of action. Situations like these where you are constantly being bombarded with shady debt collection tactics tend to make people feel like there is no way out and that they are helpless. Knowing your rights is the first step to help you out and can lead to debt resolution assistance.
Knowing your rights is a great way of stopping unscrupulous debt collectors from making your life miserable and harassing you day in and day out. It is well within every right of the debt collector to gather contact information about you such as your place of work or current address from references such as family members or co-employees. But they are not allowed to repeatedly contact these other people for your information unless they have a valid reason to. In short, debt collectors are not allowed to harass other people just to get in touch with you. Also, your right to privacy is protected by the law, a debt collection agency is not allowed to threaten you with any form of public exposure or public humiliation by exposing your debt to the public.
But what if you are wondering what is the next course of action when you are faced with a lawsuit from a debt collection agency and need to find a way to combat a debt-related lawsuit.
You need to know the importance of the summons. Some people think it’s wise to contact the agency and ask some questions to clarify things, others just pretend they don’t exist and ignore them until they go away. These are bad ideas to start with. The best thing to do is to actually respond to the summon, this does not mean that you are guilty of their accusations. If you don’t respond they will win by default. An attorney is not really needed to resolve this issue. You can always hire an attorney for this and they are the best ones for you to get help with a debt lawsuit.