Debt Collector Harassment in Nashua, NH

Are you ready to stop persistent calls and aggressive tactics from debt collectors? Harassment from agencies can be a source of significant stress and anxiety. Furthermore, it can leave you unsure of your rights or where to turn.

Thankfully, there are legal lines collectors must not cross. New Hampshire and federal law set boundaries for unacceptable practices. Understanding them can help you end the harassment and move on.

Take the first step towards reclaiming your tranquility. Consider the details below carefully. You may find a way to end the intimidation and restore your sense of security.

Debt Collector Harassment in Nashua, New Hampshire

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 Nashua 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 Nashua, NH debt collectors may have misrepresented themselves to you, it’s important to remember that you have options. Get in contact with an attorney who 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 Nashua 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.

There are several active debt collection agencies in the Nashua area. You may have unfortunate familiarity already with one or more of the following:

• M.D.C. Recovery Services
• ElectroMedical Associates
• Balanced Healthcare Receivables

What Should You Do If You’ve Been Harassed By a Debt Collector In Nashua, New Hampshire?

Step 1: Know Your Rights

If you think Nashua 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 Nashua, NH by a debt collector? If so, it’s important to begin to gather evidence.

Compiling robust evidence is critical to an effective debt collector harassment lawsuit. Records of all communications are an excellent place to start. Also, keep a log of these interactions that include the dates and times of calls. Notes from a debtor in Nashua are admissible evidence in court and can create a damning picture of inappropriate behavior.

Step 3: Remain Calm and Act Deliberately

When you’re being abused or harassed by a bullish Nashua 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 Nashua, NH 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. Nashua attorneys who 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 Nashua, NH debt collector attorney, you have a better chance of winning the lawsuit and getting financial compensation for abuses such as phone harassment.

Consulting an attorney in Nashua is often the foremost and first step toward a lawsuit. They will assess your case and identify your rights under the FDCPA and New Hampshire state law. Your attorney can then help you file a complaint with the appropriate court. There will be a discovery process that follows, which means sharing evidence and possibly depositions. If you do not settle during this period, the case will proceed to trial.

Work With an Experienced Nashua, New Hampshire Debt Collector Harassment Lawyer

If you’ve experienced debt collector harassment in Nashua, NH 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 New Hampshire 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!