Wisconsin Civil Rights Lawyer

Annoying phone calls from creditors or debt collectors can make one’s life miserable. People often complain that they are being harassed by creditors for debt, which they do no owe any more. May be the debt has been cleared by the debtor through any debt settlement company or bankruptcy, but still the collector would harass him by making frequent phone calls and writing intimidating letters. If you are also a victim of these aggressive debt collectors, then follow some important tips to combat them.

• Debt collectors can adopt any means to collect the debt from you and to make you admit that you owe debt to them. But if you are sure you do not owe any money, do not give up. Remember, you have every right to protect yourself from these collectors.

• Debt collectors will try to contact you over phone or by writing letters. Do not respond to them at any cost. Do not receive their calls or do not write them letters. All communication should be done through the email. Try to keep a copy of all communication so that you can produce when required.

• If debt collectors continue their persistent attack, send them a letter through registered mail informing that you do not owe any debt. Also ask them not to contact you in future. Remember that you must send this letter within 30 days of receiving the letter from debt collectors.

• If you receive summon or complain from the collector, do not ignore it. Go to the court in which it is filed and find out how far it’s real. However, if you find it’s real, do not delay in taking the action. If you have been sued for the debt, you have very limited time to respond, so respond on time, or else you may lose the right to fight the lawsuit.

• If you have already cleared your debt through bankruptcy, you must be having a discharge order. Produce the order to the debt collector to prove him that you are not obligated to pay any debt.

• In the U.S., there are some statutes of limitation on debt, which means that after a certain period collectors cannot collect debt from you. So if you can prove that statute of limitation on your debt is over, you will not be obligated to pay the debt and no debt collector can sue you for that.

• You must also remember some FDCPA and FTC rules. The rules state that debt collectors cannot adopt any unfair means to collect the debt. They cannot contact you at your work place or cannot harass by calling you untimely. It is also illegal if debt collectors try to contact you through social networking sites.

So to conclude, remember the above mentioned tips in mind to combat irksome debt collectors.