How to Deal with Rough Bill Collectors
Bill collectors can also be referred to as debt collectors. This kind of people are hired by companies to collect bills of delinquent clients. One hardly escapes debts. There are some reasons that may prompt a debtor to honor his/her commitment in due time. Bill collectors present themselves at this particular moment to execute their tasks. In such moments, debtors may undergo the burden of paying a late fee. There is a possibility of finding harsh debt collectors. You cannot afford to sit back and receive any form of harassment. This is a moment for you to find a lawyer who will not only protect your rights but also defend you in a court of law.
Before you find an attorney, you need justification. There are some actions directed at you by bill collectors that may be used against them in a court of law. These acts are as follows. It is the responsibility of a bill collector to communicate to you about your debt through formal communication and in good time. This is usually done in one to two weeks. There are personal reasons that must have probed you to forget about an existing debt. Once you receive a notice summarizing the nature of your debt, amount due and deadline for payment, you will be able to realize your delay. This may be a chance to redeem yourself and pay up in good time.
The second thing that debt collectors are supposed to avoid is to engage third parties in the whole process. The only person that is meant to know is an attorney. Why is this important? Confidentiality plays a huge role in money matters and in this case Unless it is your spouse, debt collectors are not supposed to tell everyone and anyone they meet about a debt you owe to a credit company. The outcome at the end of the day may be embarrassing.
Three, debt collectors are not supposed to harass you. There are occasions when debt collectors become a nag. They develop a habit of calling you even in late hours. There are those that go to the extent of threatening you. A few others check your day now and then. There are those who monitor your every move by following you. Tell them to stop when you find yourself in such situations. If they don’t, look for a lawyer.
Do not pay more than you owe a credit company. There are times when debt collectors go beyond into demanding a higher amount than you owe to a credit company. At no point should make this happen. Whenever you are found in such a situation, get a lawyer. While backing all the details with necessary documents, narrate everything in details. What matters is your piece of mind as well as your life.