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You do not have to stand for illegal collection practices

It is normal and well within their legal rights for a debt collector, collections agency or other similar Washington D.C. organization to attempt to collect on owed balances. However, these efforts sometimes cross over from what is appropriate and expected to borderline harassing and illegal. If you are experiencing what you think are illegal collection practices, you do not have to deal with it alone. 

If you are in an extreme amount of debt, it is normal to get phone calls, letters and other forms of contact from debt collectors. However, you do not have to put up with harassment, threats and other untoward behavior. Fortunately, you have legal options to make this type of behavior stop.

Examples of unacceptable debt-collection practices

Even if you have a lot of debt, you do not have to put up with disruptive and threatening behavior from agencies attempting to collect on your owed balances. Examples of illegal collection practices include:

  • Threatening violence
  • Using of profane or inappropriate language
  • Lying to you
  • Refusing to disclose their company name
  • Intentionally using an incorrect name
  • Threatening jail time
  • Threatening to or actually releasing your personal information
  • Depositing post-dated check early

These are just some of the ways that these companies and agencies may attempt to trick or scare you into paying. It does not matter how much you owe; you do not have to put up with harassment or illegal treatment.

You can make it stop

Ultimately, one of the most effective ways to get these agencies to stop calling you is to file for bankruptcy. Upon filing, the automatic stay will go into effect, which means that you will not receive any more phone calls, threats or letters from collection agents. While under bankruptcy protection, you will enjoy a complete cessation of this type of contact.

Filing for bankruptcy is not the best choice for everyone, but it could be a viable option for you. You may consider the benefits of this legal step, which can do the following for you:

  • Discharge eligible debts
  • Make creditor harassment stop
  • Build a strong financial future

Before you make a major financial decision or if you want to protect yourself against the illegal and harassing practices of debt collectors, you would be wise to speak with an experienced bankruptcy attorney. With the right guidance, you can make a decision that will best allow you to achieve financial stability in the future.

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