Many debt collectors will try to convince you to pay their debt first. Creditors and collectors both know that the main reasons people cannot pay their bills are because of job loss, illness, divorce, or other unexpected life events. Do not let collectors pressure you into paying their debt first. Think about your situation and make the best decision for you.
If you stop making payments on an unsecured debt (not a tax debt or student loan), collectors can legally do the following in an effort to collect their debt:
Send a “cease” letter. This is the easiest way to stop harassment. Even though you send this letter, you still owe the debt. When you send out this letter, make sure you keep a copy of it and document when you mailed it. If the collector continues to contact you, send them another letter. If the harassment continues, you should contact an attorney.
Stop the phone calls by clearly stating that you no longer wish to be contacted at your number. Collection agencies and creditors are required to stop calling you with an autodialer if you ask them to do so.
Hold off on paying a collector until you’ve verified the debt. Federal law gives you the right to receive a letter of verification of a debt from a third-party collector. Be cautious if collectors try to work out a payment plan on your behalf. This could cause you to be delinquent on more important bills like rent and ultimately cost you more in the end.
Be sure to keep track of all out-of-pocket losses and discuss these with your attorney. Keep a log of all collection contacts with as much information as possible. Do not delete abusive voicemails from collectors. If you and your family has experienced credit harassment, you should contact one of our attorneys today.
Attorney Timothy Manchin established the Manchin Injury Law Group in 2011 after his law partner of more than 25 years became a West Virginia circuit court judge. His focus is on helping individual clients and entire families victimized by negligent acts.
We offer a free initial consultation at our office in the Manchin Professional Building — our home since 1983 — conveniently located in Fairmont.
If you are unable to visit our firm, we can come to your home or hospital room.
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