One of the most common complaints from those who have fallen behind on their bills is that they are being harassed by creditors. Whether it is a credit card company, medical office, or collections agency, at some point, the calls start coming. Less scrupulous collectors often resort to tactics that are not only distressing to you, but also flatly illegal. If you are receiving harassing calls from bill collectors, contact the Law Office of Michael Alan Siddons, Esquire immediately and let us help you protect your rights.
Even when you are in debt and cannot repay your bills, you still have rights. Refer to the Fair Debt Collection Practices Act FDCPA. Do not let unscrupulous debt collectors threaten or harass you. There are laws in place that protect you and prevent debt collectors from using certain tactics.
It is illegal for debt collectors to:
You may have a case against any debt collector that uses any of the above tactics. Contact attorney Michael Alan Siddons for help in securing your rights.
The answer is simple…don’t. Do not negotiate with creditors. If you are receiving phone calls from creditors making offers to reduce your debt, you need to get in touch with an attorney immediately. The Law Office of Michael Alan Siddons is prepared to give you the assistance you need.
Remind yourself that the debt collector calling you and negotiating gets paid to negotiate…they do this for a living. They are probably well versed in debt collections and are focused on getting the most they can out of you. Basically it is an unfair fight that you should not enter into without the assistance of a trained legal professional on your side. Attorney Michael Siddons can help ensure that you receive this professional assistance. He can take into consideration not only this one particular debt, but also your entire financial picture. In this way, he can determine if dealing with this one debt alone, while ignoring the others, will make financial sense for you.