Debt harassment lawyer in Miami want consumers to understand their rights so that they remain protected from any unfair practices of the creditors and the collection agencies. Exercise your rights to control dealings with the collectors.
Control communication
It is possible for the consumers to control the contact by the collectors, as they cannot call you at an inconvenient place or time. Debt harassment lawyers in Miami want their clients to know what the collectors cannot tell the third parties regarding your debt.
• Cannot make contact before eight o clock in the morning or after nine o clock at night
• Cannot make contact at work
• Must communicate via the attorney hired by the consumer
• Cannot tell family, neighbors or employer regarding the debt
• When requested have to cease contact completely
Simply telling the collectors regarding the mode and time of communication over phone is not enough. The law requires that you have to give this in writing and only then, this becomes enforceable. When the collector stop contacting you it does not make the debt vanish automatically though. The collectors might seek payment via lawsuit and this might result in wage garnishment.
Remain protected from abusive practices
Debt harassment lawyer in Miami protects their clients against the abusive practices of the collection agency. Harassment is something more than repeated demands for repayments as this signifies the daily actions so quite misleading. The purpose of doing this is to coerce you to do something that you would not do under normal circumstances. The collectors can never use profanity, violence, or threatening language. When the abusive practices become hard to handle, this signifies that you are dealing with fraud collectors.
It is necessary to identify such fraudulent agencies quickly or you are going to do an expensive mistake by paying debts that you do not even owe. Debt harassment lawyer in Miami has seen many such cases happening so want to protect their clients against such occurrences.
Make sure that the collectors are truthful
The collectors can never use misleading, deceptive, or false representation for collecting debts. Beside the restrictions, the collectors cannot falsify debt amounts, or misrepresent authority figures, and other professionals. They need to answer all the relevant questions honestly by may opt out of certain questions if they choose. To determine the statute of limitation of the debt contact the Debt harassment lawyer in Miami without wasting time.
Ensure use of fair practices
Truthful communication is most important and the regulatory bodies restrict the behavior or debt collectors. Besides the various restrictions, the collectors cannot solicit payment through postdated checks. They cannot deposit and threaten deposition of postdated check prior to the required payment date or take the property of the consumer when not allowed. To read more Click Here