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Going Against the Grain: Fighting Back Against Predatory Debt Collection

Going Against the Grain: Fighting Back Against Predatory Debt Collection

 

Credit card debt is a problem that affects many Americans, and although statistically it is lower than levels were a few years ago, it is still a problem for many households.  Although the CARD Act has helped many consumers obtain more reasonable rates and not have to deal with the many unpleasant practices that were outlawed by the CARD act, many people are still having a hard time paying off their credit card debt. It can get to the point where it just seems hopeless; when the individual is so far in credit card debt that they have no idea how to ever make the money to pay the full balance that is owed. Many debt relief options are advertised as being the best, so how do you know what is the right one to choose? The truth of the matter is that your personal financial situation dictates what course of action should be taken; it is not a “one size fits all” approach. By obtaining direct attorney representation for overwhelming credit card debt, your accounts are handled in a professional manner by attorneys who have experience in resolving their clients’ debt while calling bill collectors on their bluffs. Many times, collectors can make threats and get so excited collecting on an account that they forget to follow the rules and laws that are in place to protect consumers from unethical collection practices.

Bill collectors, although they can be unethical and aggressive, are very good at what they do. The debt buying and debt collection industry is booming, and debt collectors know how to cajole, persuade, threaten, and negotiate to get people to pay. The problem is that collectors are looking out for their own paycheck and not the well-being of consumers; and in collecting aggressively they may try such tactics as garnishing wages, levying bank accounts, and pursuing debts in court without offering a reasonable solution to the consumer beforehand. Far too often, credit card lawsuits are intended to scare the consumer into paying or to obtain a judgment if they don’t show up to court. When debt collectors benefit either way, they have a huge incentive. A large amount of debt that becomes delinquent can very often be the target of a lawsuit. Debt collection attorneys have the experience and the knowledge to level the field against unscrupulous collectors, which is why it’s important to fight back with personal attorney representation for consumers.

It’s important to consult with professional debt relief organization before the worst consequences of unpaid debt come to pass. It’s much easier to prevent a garnishment or frozen bank account than it is to try to remedy the error and get the funds back after it’s already happened. By obtaining personal attorney representation early on the process, the possibility of a bad outcome is reduced greatly. This is because the personal attorney will be assigned to you has a great deal of experience in dealing with similar debt cases, and knows how to fight back and make a stand for the consumer’s rights. When Bill collectors violate the law, sometimes they’re required to pay the consumer for damages done. This can include harassment, improper collection practices, improper garnishment or bank account levy, or other transgressions. The debt collection industry has the most complaints registered with the FTC per year, and the number is only growing each year. In the most recent year was 130,000 complaints, which is probably far, far less than the amount of actual violations by debt collectors that go unreported. A skilled personal attorney can take advantage of those mistakes and make the bill collectors pay for it.

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