Necessity of Contacting A Lawyer To Prevent Bill Collector Harassment In Miami

You have the right to hire an experienced attorney to protect you from the bill collector harassment in Miami. Many money-lending organizations or credit-card agencies appoint debt-collectors to threaten or force the debtors into paying back the borrowed sum of money. Federal Government has FDCPA (Fair Debt Collection Practices Act) to protect the borrowers from this type of harassment. It has set a few guidelines for the creditors or the debt-collection agencies. For example, a creditor may call a borrower in order to remind him/her regarding the payment of borrowed money. However, FDCPA prohibits a creditor from calling a debtor frequently or multiple times a day. A creditor is prohibited from contacting a borrower's relatives or employer. These actions are regarded as act of harassment. A debt-collector is also prohibited from using any profane/abusive language to humiliate a debtor. It is prudent to contact a lawyer if you have been threatened by a creditor in any way.

An experienced debt-collection attorney will not only be able to stop the bill collector harassment in Miami. He/she may even recover a fair amount of compensation for the distress caused by a debt-collector. However, it is important to remember that filing a counterclaim against a lender or creditor does not release you from the debt. You have to pay back the borrowed money to the lender even if you recover the compensation. However, a lawyer may become able to lower the amount of debt instead of demanding the compensation. After consulting with a lawyer, you may even learn in details about the guidelines of FDCPA.

A lawyer may inform you regarding the prohibited acts if you are unaware of it. You may even learn about the debt-collection practices allowed by the Federal Government. The detailed information on the bill collector harassment in Miami may be available through various websites. However, it may become difficult for an average person to find out the websites containing the relevant information. You will receive every piece of information regarding the permissible and prohibited acts of a debt-collector after consulting with a lawyer.

A lawyer may even inform you during the consultation if there is any possibility to settle the debt through negotiation. Hence, it is prudent to consult with a lawyer if you become the victim of bill collector harassment in Miami. It is difficult winning a lawsuit without proving the veracity of a claim. Hence, it is essential to maintain a record of all types of communication (digital/postal/telephonic) between a debt-collection agency or creditor and a debtor.

A debt-collector may try to contact you via postal mail or e-mails. You may even receive text-message or telephone calls from a debt-collector. A lawyer may use the records of communication to prove the bill collector harassment in Miami. It is important to learn about a collector's name, name of the debt-collection agency and the callback number during conversation. For more information visit Our Website