Owing money is never a good situation to be in. Whether you owe a family member, friend, or credit card company, debt is an anxiety-ridden state in which you feel sometimes as if you cannot breathe. Owing large sums of money to credit card companies, mortgages, or loans can quickly get out of control and ruin your finances. Yet, American consumers owe $12.12 trillion in debt!

The average US household is over $130,000 in debt, with about $16,000 of that debt on their credit cards alone. Credit card debt is one of the worst kinds of debt because it quickly grows exponentially with the incurment of interest. When this debt goes unpaid for a long enough period of time, it is typically purchased by debt collection agencies that are separate entities from the credit card companies that you opened the account with.

Three to six months after defaulting on your payments your unpaid debt is sent to a collection agency where it becomes one of two types of debt depending on how it got to that agency. If the creditor hangs on to the debt yet simultaneously sends it to a collection agency with a contract, this is called an assigned debt. If the creditor sells the debt to a collection agency, this is considered a purchased debt. Regardless, you will start hearing from the collection agency as soon as that debt is passed on. If the agency believes there is a chance of collecting that debt from you, you risk putting yourself in the position of experiencing collection harassment.

What constitutes debt collection harassment?

 

There are several key things a collection agency can do that are considered unethical in the realm of proper debt collection. These actions involve insistent and abusive behaviors that you are legally protected against when you find yourself in this situation. If you believe any of these apply to you, don’t hesitate to call your local collection harassment attorney at 1(844)-JIBRAEL.

Here are some of the main things unlawful debt collectors will do to try and collect your debt:

– Call you at disruptive times like before 8AM or after 9PM
– Swear or threaten you as a way to force you into paying your debt
– Threaten to sue you
– Actually improperly file a law suit against you
– Call your friends, family, place of business, job or neighbors to discuss your financial situation
– Call you using a machine that masks their voice so you won’t know who it is
– Call you at work after being told they can’t call you there
– Lie about how much money you owe to the credit bureaus

– Call you after finding out you’ve contacted The Law Offices of Jibrael S. Hindi for support

You may be eligible to receive monetary damages as a result of this kind of harassment under what is called the Fair Debt Collection Practices Act. Give our office a call today to make it all go away. In many cases we can also have the debt completely eliminated.

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