Debt Collector Harassment

Debt Collector Harassment

Negotiating with Debt Collectors


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.

Know Your legal 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.

Debt Collector Harassment

It is illegal for debt collectors to:

  • Falsely claim they are an attorney.
  • Call you outside the hours of 8 a.m. – 9 p.m.
  • Threaten you with arrest.
  • Threaten to take your home.
  • Use foul or abusive language.
  • Claim they will inflate the amount you owe.
  • Call incessantly in a harassing manner.
  • Call you at your worksite if you have asked them not to.
  • Release any information about your finances to friends, relatives, or neighbors.
  • Call you after you have notified them that you have retained legal counsel.

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.

Negotiating with Debt Collectors

Negotiating With Creditors

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.

Negotiating with Creditors
Do’s and Don’ts
  • Don’t Make Offers – Don’t offer to pay a particular amount. You may get stuck with that amount even if it turns out you could have offered less.
  • Don’t Volunteer Information – You have heard the expression “can be used against you.” Well, it can. Do not tell them anything about how your debt was created, nor any solutions that may be on the horizon.
  • Do Take Notes – Keep good notes about the conversation, including their information and anything else that transpires. What company are they with, their name, the amount they claim you owe, mailing address, any threats or legal claims they make, any abusive language, etc. If they violate any of the laws they are limited by, it could be a game changer for you.
  • Don’t Commit to Anything – Give yourself time by saying that you need to think about it and defer your answer to another day. Never commit to anything they ask you to do without legal advice.
  • Don’t Make Idle Threats – Don’t try to threaten them by saying you might be filing for bankruptcy. They are professionals and know that, if you were, you would not be talking to them at all. Threatening them with “my lawyer says…”, also does not work for the same reason. They know that if you had a lawyer, you would not be allowed to talk to them.
  • Do Keep It Short – The best way to avoid pitfalls is to keep it as short as possible. The less you say. The less chance for error.
Call Attorney Michael Alan Siddons to stop the Harrasment Today!