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Law Office of W. Thomas Bible, Jr.

People seek debt relief when collection calls overwhelm

For some who are burdened with debt, constant calls from debt collectors may seem  like a way of life. These calls may cause people to stop answering their phones altogether, assuming that the ringing of the phone can never be good news. People in Tennessee who feel overwhelmed may begin to look at options for debt relief.

The Fair Debt Collection Practices Act protects consumers from harassing debt collectors. The law prohibits collectors from calling people before 8 a.m. and after 9 p.m., and they may not call people at work if an employer forbids it. A debt collector is breaking the law if he or she uses threatening or offensive language, or if he or she continues to call after a person has asked in writing for the calls to stop.

Debt collectors know that nervous people may speak without thinking clearly. This is why consumer advocates recommend that people remain calm and even prepare a script before speaking to debt collectors. Taking notes during the call may help a consumer recall what was agreed upon, but a written confirmation of any agreements should be requested before the call ends. However, the consumer should always be certain the debt in question is legitimate before agreeing to any payments.

Out of control debt can color every aspect of a person's life. After dealing with persistent calls from debt collectors, some people in Tennessee conclude that their debt is too much to manage. When this happens, their next step is contacting a bankruptcy attorney who can help them explore the options for debt relief and a fresh financial start.

Source: yahoo.com, "6 Ways to Handle Pushy Debt Collectors", Tiffany Aliche, July 21, 2016

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