Existing debts often hover over someone’s head. They are well aware that they need to pay back loans and credit cards, but many factors impact their ability to do so. As one of the three main credit bureaus in the United States, Experian can report bad credit and impact many areas of a person’s life. Harassment from collections agencies often does nothing to improve this situation—it only results in more stress and wasted time.
All collections practices must be in compliance with the Fair Debt Collection Practices Act (FDCPA), rules developed in 1977 to establish fairness and transparency in the operation of obtaining payment. If phone calls are aggressive and unending, the collections agency is probably in violation of these regulations. To consider options like filing a cease-and-desist letter or challenging collections activities with legal action, please speak with a member of our team.
No one deserves to fall victim to illegal debt collections practices. Understand your rights and find a way to stop these constant communications.