Many people have found themselves at the mercy of debt collectors.  Regardless of how you acquired your debt, it’s important to know your rights when it comes to dealing with debt collection agencies. The Texas Debt Collection Act is designed to protect people from harassment and illegal practices by debt collectors or collection agencies.  Just as it’s important to pay off the debts you owe, it’s equally important that you’re treated with dignity and respect by collection agencies.  Here are a few things you can do to help deal with debt collectors:

  1. Understand your rights. Just as you would contact a car accident law firm or a drunk driving accident attorney to learn your rights after an accident, you should contact a law firm that specializes in unfair debt collection.  They can inform you of exactly what debt collectors can and cannot do.
  2. Keep good records. Any time you deal with a debt collector, it’s important to keep records of everything that’s said and done. This can help you with your case in the future. Whether it’s the letters that have been sent or phone calls, be sure to keep records of everything.
  3. Verify the debt. It is required by law that a debt collection agency must verify your debt within five days of contact.  Make sure that the debt they’re claiming is actually correct.
  4. Negotiate. If possible, you should work with your debt collection lawyer to negotiate with the agency.  Set up a payment plan if possible, but make sure that the agreement is within your budget.
  5. File a complaint if needed. If the collection agency is still harassing you, it’s important to work with your lawyer to file a complaint against them.  Showing them that you will not be bullied helps set a precedent that can help future victims of debt collecting harassment.

The important thing to remember when dealing with debt collectors is that you have rights, and that you’re not alone. Contacting a debt collection harassment attorney can help you start your journey to becoming debt-free.

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