Debt Collector Harassment in Knik-Fairview, AK

Are you tired of constant phone calls about unpaid debt?

What if there was a way to stop them, even if it’s temporary?

You do not have to put up with the constant badgering. Knik-Fairview residents have rights they can exercise under state and federal legislation. Furthermore, a local attorney can make a case for suing them for harassment. Identify your options today using the details we have compiled in this article.

Debt Collector Harassment in Knik-Fairview, Alaska

Debt collection agencies may harass Knik-Fairview residents for any unpaid loan. But there is a distinct possibility that companies pursuing unpaid medical bills are particularly aggressive. According to Alaska News Source, the state has almost double the amount of this debt compared to other states.

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 Knik-Fairview attorney can help you identify your options and build a strong case.

Misrepresentations

Debt collectors can be guilty of misrepresentation when they make false claims or use misleading practices. It is also illegal for them to misrepresent how much you owe.

A few examples of other illegal debt collection practices are:

• Claiming to represent a law firm
• Making erroneous threats to have you arrested
• Threatening to take actions outside the law
• Pretending to be law enforcement

Do you have reason to believe Knik-Fairview, AK debt collectors misrepresented themselves? Then you may have the option to take civil action. You only need an attorney that understands debt collector law.

Who Are Debt Collectors?

Most people do not think about collection agencies until they call them constantly about a debt. But who are these people, and who employs them?

Collectors work for agencies hired by creditors to recover debts. Anyone with outstanding debt in Knik-Fairview with unpaid credit cards or loans can hear from them.

There are several debt collection agencies near Knik-Fairview that you may have heard from recently. A few of the notable ones are:

• Cornerstone Credit Services
• Alaska Court Collection
• Financial Collection Agency of Anchorage

What Should You Do If You’ve Been Harassed By a Debt Collector In Knik-Fairview, Alaska?

Step 1: Know Your Rights

If debt collectors start to harass you Knik-Fairview, then it is time to familiarize yourself with the basics of the Fair Debt Collection Practices Act.

Congress passed the FDCPA in 1977 to protect consumers from collection agencies. When a company violates these rules, the victim can sue them for harassment.

Step 2: Collect Records

Have you been harassed in Knik-Fairview, AK by a debt collector? If so, it’s important to begin to gather evidence.

Looking at state and federal law can help with this task. For instance, a debt collector should not call someone in Knik-Fairview before 8 a.m. or 9 p.m. Accordingly, taking a screenshot of the calls on your cell phone would be in order. Other helpful items to collect include:

• Notes about the content of your conversations
• Names of the agents and agencies
• Written correspondence

Step 3: Remain Calm and Act Deliberately

It is natural to get angry and act without thinking when you experience harassment from a bullish debt collector. Unfortunately, losing your cool can make your case in Knik-Fairview more complicated.

Do your best to remain calm and take deliberate actions. You will lower your stress levels and improve your odds during a lawsuit. Demonstrating that you were measured and respectful while the other party used abusive language can win over a judge or jury.

Step 4: Ask for Debt Verification

The first step you can take in Knik-Fairview, AK is to ask for debt verification. Asking for this detail will tell you if they have misrepresented your debt. Furthermore, they must stop contacting you until they provide the information.

The debt verification you receive should include the amount owed and the creditor’s name. You will have 30 days to dispute its validity. If you don’t do anything, the agency can assume the debt is accurate.

Step 5: Contact an Attorney 

You have the right to fight back against debt collector harassment. You can live a life without their abuse and repetitive phone calls. Knik-Fairview attorneys know what to expect when suing for debt collection harassment. Local laws can make this possible, especially if the agency threatens legal action.

Step 6: Present Your Case

Hiring an experienced Knik-Fairview, AK debt collector attorney gives you a chance of winning a lawsuit. If successful, you will receive compensation for phone harassment and other abuses.

One of the Anchorage trial courts will likely adjudicate your debt collector harassment case. Your attorney from Knik-Fairview will file a civil complaint that initiates the lawsuit. Once the pre-trial discovery process starts, they may begin negotiations with the defense attorney. In ideal circumstances, they will settle before going to trial.

Work With an Experienced Knik-Fairview, Alaska Debt Collector Harassment Lawyer

It is time to put an end to debt collector harassment in Knik-Fairview, AK. You can stop this massive annoyance and move on with life. Legislation exists to protect consumers from this illegal behavior.

Are you ready to talk to a debt collection attorney near you? Then send us a request through our website or call (866) 345-6784. We can even help you connect with an attorney across Alaska state lines.