In recent years, you’ve had unexpected medical bills and the company you work for is struggling, so your hours have been cut. Simply put, you haven’t had enough money coming in to cover your expenses.
The bills are starting to pile up and debt collection agencies have even been in touch. While debt collectors are perfectly entitled to follow up on overdue payments, they must act within the confines of the law. Outlined below are some unprofessional debt collection practices that you should look out for.
Attempting to embarrass you
As you are the person who owes the debt, you should be the only person who is contacted about it. If you have legal representation, then there are some cases where debt collectors can contact them. However, for the most part, they should be dealing with you directly. Sometimes, debt collectors attempt to contact your work and even family members, in an attempt to embarrass you and encourage you to pay up. Not only is this unacceptable, but it is also unlawful.
Debt collectors are put under pressure to secure payments, but they must do so within the confines of the law. Agents should never make you feel threatened physically. They are also not entitled to claim that they can have you arrested simply for being in debt.
Being in debt can be stressful, particularly if you have creditors harassing you. Seeking legal guidance on the matter will help you to find the best possible solution in your circumstances.