Debt collection practices in Jonesboro can be invasive, intimidating, and abusive. These aggressive tactics may leave you wondering if there is a way to fight back. 

You have options under state and federal law to put an end to this behavior. However, delaying or avoiding the situation can make it worse. Read this article to learn about your rights and how a local lawyer can protect you. 

Debt Collector Harassment in Jonesboro, Arkansas

If you are a victim of any of these examples of harassment, you may have a right to sue the debt collector for violations of the Fair Debt Collection Practices Act (FDCPA). An experienced Jonesboro attorney can help you identify your options and build a strong case.

Misrepresentations

Misrepresentations by a debt collector refer to someone making false claims or accusations or using false, deceptive, or misleading practices. This also includes misrepresenting any debt you may have. See some examples of this and other Illegal Debt Collection Practices below:

  • The amount of money you owe
  • False threats saying they will have you arrested
  • Saying they are an attorney if they aren’t one
  • Threats to do something that the debt collector has no intention of doing
  • Threats to take actions that are not within the confines of the law

If you think any Jonesboro, AR debt collectors may have misrepresented themselves to you, it’s important to remember that you have options. Get in contact with an attorney that understands debt collector law.

Who Are Debt Collectors?

Most people don’t know what a debt collector is until they have one incessantly calling them about paying off debt. So, who are debt collectors? Who do they work for?

Collectors come from a debt collection agency that works with creditors who are owed debts. If you have outstanding debt in Jonesboro such as credit debt, unpaid loans, and personal loans, your creditor may contact a debt collection agency. This agency then assigns a debt collector to your case.

Some well-known debt collection agencies may operate in Jonesboro. Some examples include:

  1. Jonesboro Collections
  2. Arkansas Debt Recovery
  3. Delta Credit Management
  4. Liberty Debt Management
  5. Arkansas Receivables Management

What Should You Do If You’ve Been Harassed By a Debt Collector In Jonesboro, Arkansas?

Step 1: Know Your Rights

If you think Jonesboro debt collectors are harassing you, then it’s important to become familiar with the Basics of the Fair Debt Collection Practices Act. The FDCPA was passed in 1977 to protect consumers from collection agencies. If a debt collector violates any of the harassment or misrepresentation rules, the victim has a right to sue the collector for violation of the FDCPA.

Step 2: Collect Records

Have you been harassed in Jonesboro, AR by a debt collector? If so, it’s important to begin to gather evidence.

Having specific records and documentation can strengthen your case in Jonesboro. While the exact records you may need can vary, here are some common types:

  1. Collection Letters and Communications
  2. Call Logs
  3. Debt Verification Requests
  4. Financial Records
  5. Medical Records
  6. Witness Statements
  7. FDCPA Violation Documentation
  8. Legal Correspondence
  9. Credit Reports
  10. Attorney Consultation Records

Step 3: Remain Calm and Act Deliberately

When you’re being abused or harassed by a bullish Jonesboro debt collector, it’s easy to get angry and act impulsively. Unfortunately, this can cause you to say or do something detrimental to your case. Instead, try to remain calm and make all your actions deliberate and well-thought-out. Not only will this be better for keeping your stress levels low, but it will prove helpful if you go to court. You can show that you were respectful and calm while the debt collector was the one using abusive language.

Step 4: Ask for Debt Verification

If you’re constantly getting phone calls from Jonesboro, AR debt collectors harassing you about what you owe, you need to ask for debt verification. Not only will this show whether or not they are misrepresenting your debt, but the debt collector must also stop contacting you until they provide the information you requested. Debt verification should show the amount of debt you owe and the name of the creditor. You have 30 days to dispute the validity of the debt. If you don’t dispute the debt, the creditor will assume the debt is valid.

Step 5: Contact an Attorney

If you’re the victim of debt collector harassment, it’s time to stand up and fight back. You deserve to live a life free from abusive and repetitive phone calls. Jonesboro attorneys that understand What to Expect When Suing for Debt Collection Harassment, and local debt collection laws, can help you make this possible. If the debt collector threatens to or does take legal action regarding your outstanding debts, working with an attorney becomes even more important.

Step 6: Present Your Case

By hiring an experienced Jonesboro, AR debt collector attorney, you have a better chance of winning the lawsuit and getting financial compensation for abuses such as phone harassment.

Work With an Experienced Jonesboro, Arkansas Debt Collector Harassment Lawyer

If you’ve experienced debt collector harassment in Jonesboro, AR it’s time to put an end to it so you can move forward with life. There are laws in place to protect consumers from debt collectors. Legal assistance can help you to navigate these complex laws and defend yourself in court, if necessary.

Are you ready to find a debt collector attorney near you so you can finally fight back against the harassment? We can even help you connect with an attorney across Arkansas state lines.

Submit a request online or call us today at (866) 345-6784 to get in touch with an experienced lawyer in your area!