The uncertain economic landscape of our recent times along with the unstable housing market and a steady rise in unemployment rate has left many individuals in debt that they are unable to repay. Debt collectors will start to call and pile up, the person in debt will start to feel like they are trapped and that there is no possible way out of their current situation.
Though there is a fine line between fair and unfair debt collection, you can seek help from professionals to help you fight unfair debt practices and as well as find a way out of debt. This battle will require knowledge of your rights and a positive course of action. These situations tend to make individuals more hopeless when the debt collectors cause more stress and are frequently using shady debt collection practices to unethically force money from you that you might not possibly have. Knowing your rights is the first step to help you out and can lead to debt resolution assistance.
Knowing your rights is a great way of stopping unscrupulous debt collectors from making your life miserable and harassing you day in and day out. It is well within every right of the debt collector to gather contact information about you such as your place of work or current address from references such as family members or co-employees. But however, they are not allowed to continually call people for your contact information unless there is a valid reason to. In short, debt collectors are not allowed to harass other people just to get in touch with you. Also, your right to privacy is protected by the law, a debt collection agency is not allowed to threaten you with any form of public exposure or public humiliation by exposing your debt to the public.
But what if you are wondering what is the next course of action when you are faced with a lawsuit from a debt collection agency and need to find a way to combat a debt-related lawsuit.
You need to know the importance of the summons. Some people decide to contact the agency and ask some questions or assistance, other just simply ignore hoping they will go away. These are bad ideas to start with. To fight an unfair debt lawsuit, the best thing to do is to actually respond, this does not mean that you are admitting guilty to their accusations. If you don’t respond they will win by default. You don’t even need to hire an attorney for to fight an unfair debt lawsuit. But if you want you can always hire an attorney for assistance with a debt lawsuit just to be sure.