Bill collectors can also be termed as debt collectors. These category of people are employed by firms to collect debts of delinquent clients. It is very difficult to escape debts. There are some reasons that may prompt a debtor to honor his/her commitment in due time. It is at this moment when bill collectors show up to do their job. In such moments, debtors may undergo the burden of paying a late fee. However, there are debt collectors who do their job ruthlessly. As a creditor, you cannot sit back and receive 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. Some actions directed to you by some of the debt collectors may serve as evidence in a court of law. These acts are as follows. One, debt collectors should inform you of your debt prior through formal communication. The time may range between one to two weeks. There are personal reasons that must have probed you to forget about an existing debt. Receiving a notice summarizing the nature of your debt, amount due and deadline for the payment will make you realize your delay. This gives you a chance to pay in good time while at the same time redeem yourself.
Two, debt collectors should not involve third parties in your debt collection cases. Such details are only revealed to an attorney. Why is this crucial? More especially when it comes to do with matters of money and loans, confidentiality plays a major role. Debt collectors are not supposed to reveal information concerning the money you owe to a credit company unless it is your spouse. The end result may be embarrassing.
At no point should debt collectors harass you. There comes a time when debt collectors become a nag. They develop a habit of calling you even in late hours. Others may even threaten you. A few others check your day now and then. There are also those who go ahead into following your every move. When you get yourself in such cases, tell them to stop. Look for a lawyer if they fail.
Do not pay more than you owe a credit company. There are times when debt collector demand a higher amount than you owe a credit company. This should not happen. When in such a situation, get a lawyer. Give all the details of your loan providing necessary documentation. In any case, your peace of mind and life matters more than anything.