What To Do When Collection Agents Pester You Non-Stop
If you're in debt and trying to pay it off, the last thing you need are collection agents constantly pestering you! Thankfully, there is something you can do! Your debt settlement attorney should be able to take all these calls and make sure none of them get through to you. Once you have made the commitment to such an attorney, you can ask him to call all the debt collection agencies and change their contact person from you, to your attorney. It is usually just as simple as that.
Sometimes however the agency just doesn't get the point and they continue calling you. This is a situation that you might be able to file a case against them. It depends on what type of attorney you have. If you have an attorney that is tied in to a law firm, he probably has the legal right to require the debt collection agency to call him only. The agency needs to know the debt collection laws or else they are in danger of being sued by you. A debt collection attorney would also know these laws.
Usually after a stern phone call you should be good to go and they will stop calling you. Sometimes those companies will just have problems with their mailing and calling lists and it takes a while to get the information changed. It's a terribly inefficient system and they are geared more towards harassing people than being useful. The problem with these issues are that these companies just want to make as much money as possible without regard to anyone. This will cause them to call and mail you as much as they can. But a call from your attorney should fix this.
In the event that such a call doesn't fix things and they persist in harassing you, you should definitely take action against them. Once you file suit against them you should have a fairly easy win, and this may even help you in reducing your debt further. You just need to make sure that you keep records of everything, including the phone calls between you and the collection agency. Also, make sure that you keep all documentation between yourself and your debt settlement attorney. It's not beyond belief that he could miss something and you want to protect yourself in every way possible. In some rare cases you may have to hire a negligence attorney to help you fight against a negligent attorney.