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How to Deal with Unfair Debt Collectors

It can be stressful and confusing when a creditor contacts you demanding payments.  These debt collectors may have been sent by credit card companies, banks, health insurance, car insurance, phone companies, or other businesses that you may owe money too.  If you have charges on your account that you know aren’t from you, it could be because of fraudulent purchases.  Nevertheless, even if these payments are or aren’t be rightly owed to them, creditors don’t have any right to harass you.  This article introduces some more information that you should know regarding debt collectors.  (Related topics: tenant buyout attorney, real estate lawyer NYC, landlord-tenant law NYC)

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Reasons you may have incorrect charges on your card

  • Identity theft – This is when someone uses another person’s personal information, such as their name, social security number, electronic signature, or their credit card number. This is usually done to gain access to another person’s money.
  • Financial fraud – Financial fraud is when someone intentionally convinces another person to give them their financial information during complicated financial transactions. This includes pyramid schemes, phishing (emails from fake companies that look identical to a person’s bank), skimming (stealing information off of a credit card during a legitimate transaction), and more.


Ways that debt collectors may contact you

  • Phone calls – Debt collectors may be calling you continuously demanding that you pay them. Although it’s normal for them to call you, these calls can get aggressive when they start harassing you and using profane language.
  • Emails – The same way that they bother you through phone calls, they can do through email. By doing this, they are trying to get your attention by contacting you through different formats.
  • Letters – Letters are yet another way they may try to contact you. By sending you letters, they want you to feel pressured into paying them.


How to deal with debt collectors

  • Educate yourself – The Fair Debt Collection Practices Act makes it illegal for debt collectors to use unfair or abusive practices when collecting debts. The best way to fight back against unfair treatment is to educate yourself on the regulations that debt collectors have.
  • Record conversations – Keep records of any emails, letters, and phone calls from debt collectors. This will make it easier to prove that they are illegally trying to obtain your money.
  • Hire a consumer protection attorney – These lawyers provide defense services to clients who feel like they are being treated unjustly. Not only will they fight for fair treatment, but they will help you save your property from being liquidated when settling debts.