Do you know your legal rights while dealing with debt collectors? Debt collectors can be pushy and may not be authorized to collect your obligations. Check read this post to learn about your consumer rights if you’re wondering if a debt collector can contact you or make demands about an overdue credit card account.
You can contest the debt. You can dispute a debt or credit report error in writing with the creditor or collection agency. You must prove your claim. According to lawyer Nathan DeLadurantey, the collector must stop contacting you until they verify the information.
Before You Contact A Debt Collector, Know Your Legal Rights
A consumer rights lawyer must have experience, expertise, and comprehension. A skilled consumer rights lawyer has at least five years of experience dealing with circumstances like yours. From basic debt collection issues to intricate class action cases against large banks and credit card companies, the top lawyers have decades of experience.
Discover why they’re specialists. Online client feedback is available. If there are no online reviews yet, call some previous clients and ask them about their experiences working with your potential attorney to get an idea of what kind of service they provide and how easy it would be to communicate with them if things get complicated during litigation.
Make Sure You Are Legally Required To Pay
Ensure lawful payment. Make sure a debt collector can collect an old debt if they contact you. Without proof, a debt collector cannot sue or threaten to sue. Ask the collector for proof of the debt’s amount and due date if you’re unsure.
Avoid Paying Unauthorized Debt Collectors
Nathan DeLadurantey If you’re unsure, consult a consumer law attorney. Never pay unauthorized debt collectors. If you are not legally compelled to pay, do not transfer any money until you have checked with an attorney that they may legally collect on your account.
If A Debt Collector Calls About Unpaid Invoices, Consult A Consumer Lawyer
Contact a consumer law attorney if a debt collector calls regarding an outstanding account. Do not pay the debt collector until the attorney has reviewed all of your documentation and confirmed that the collection agency may legally collect on your behalf. If you’re not sure if you owe money, don’t pay even $10 per month. Consumers should sue the offender.