You should not panic when you start to get calls from the creditors or a third-party debt collection agency for your unpaid bills. Instead you should find, meet and consult with a qualified and reliable Debt Collection Harassment Attorney in Miami to know the exact and effective ways to deal with such calls. Yes, you can talk to the debt collector but just once, irrespective of the fact that you owe the money or not. Tell them you cannot repay them immediately but do not be aggressive or abusive.
How to contact
When the debt collectors make the calls, they should follow the guidelines of the FDCPA at all times. According to this law, which is designed to protect the rights of the debtors, you may not share your personal information or financial details with the debt collector, especially when the collector is not familiar to you. On the other hand, the debt collector cannot contact anyone else but you to discuss about your debt. In some, cases, they can discuss it with your spouse. However, if you are represented by a Debt Collection Harassment Attorney in Miami, then they should contact only them.
Things to tell
As said earlier, a debt collector cannot tell anyone else about your debt according to the law. However, the law allows then to contact others simply to find out your address, your workplace details, your home phone number, and to find out that you are the right person. They are not allowed to contact them more than once. When they contact you, they should send a written validation notice to you within five days after making the first contact to you. if they do not, the Debt Collection Harassment Attorney in Miami may take the necessary steps if they continue to harass you through calls and other form of communication.
The written validation notices
Ideally, the written validation notices should be sent in a prescribed format and should include the necessary details of your debt. This will help you and the Debt Collection Harassment Attorney in Miami to plan your future course of action. The specific information that the validation notice should contain include the amount of money you owe, the name of the creditor, and the payment terms. However, this is when you admit that the debt, they mention, is actually yours.
Debt not owed
Sometimes the debt collectors may even call you for a debt that you do not owe or have discharged through bankruptcy. If you think that the debt claimed in not yours then you can send a letter to the debt collector saying that it is not your debt. You can even say that that the debt is yours but the amount they claim is not correct. Whatever is the case, you can ask them to verify. This letter should be sent within 30 days after you receive the validation notice. the debtor, in return will send you a written verification of the debt after which they can again start making the calls. Visit Here: Arcia Law Firm