“ I am receiving debt calls at 2 a.m. in the morning. I need help.”
That is what I’ve heard someone say about receiving creditor phone calls. My first thought is they can’t do that. Vulcan Legal Group’s Atty. Monique Okoye says, “That is against fair debt collection practices. We can legally act on those type of disturbances.” Often times, once a debtor submits their info on harassing phone calls to an attorney, they can walk away with a settlement without ever going to court. Many people who recently have fallen on hard times are not aware of their rights. Vulcan Legal Group’s Atty. Richard Rice says, “Every state has a fair debt collection practice act (FDCPA), and everyone should become familiar with their state’s laws.” With that knowledge in hand, you can prepare a statement submitting your information to an attorney who can act on your behalf. Look for the phone calls to decrease, but not cease. You would have to explore other avenues like different types of bankruptcies if you want to discharge the debt.
Financial Advisors also say scammers are making calls to people, hoping to scare them into giving their credit card or checking account information over the phone to make a bill payment. CNN’s Clark Howard advises one clear sign of a possible scammer is when they call you outside of your state’s FDCPA. Attorneys advise if you suspect a scam, you can file a report with the police and the Alabama Attorney General’s office. You can also report bogus debt collection to the Federal Trade Commission. If you would to receive legal counsel about harassing debt calls contact a law office like Vulcan Legal Group that specializes in Fair Debt Collection Practice.
Emily Ingram
That is what I’ve heard someone say about receiving creditor phone calls. My first thought is they can’t do that. Vulcan Legal Group’s Atty. Monique Okoye says, “That is against fair debt collection practices. We can legally act on those type of disturbances.” Often times, once a debtor submits their info on harassing phone calls to an attorney, they can walk away with a settlement without ever going to court. Many people who recently have fallen on hard times are not aware of their rights. Vulcan Legal Group’s Atty. Richard Rice says, “Every state has a fair debt collection practice act (FDCPA), and everyone should become familiar with their state’s laws.” With that knowledge in hand, you can prepare a statement submitting your information to an attorney who can act on your behalf. Look for the phone calls to decrease, but not cease. You would have to explore other avenues like different types of bankruptcies if you want to discharge the debt.
Financial Advisors also say scammers are making calls to people, hoping to scare them into giving their credit card or checking account information over the phone to make a bill payment. CNN’s Clark Howard advises one clear sign of a possible scammer is when they call you outside of your state’s FDCPA. Attorneys advise if you suspect a scam, you can file a report with the police and the Alabama Attorney General’s office. You can also report bogus debt collection to the Federal Trade Commission. If you would to receive legal counsel about harassing debt calls contact a law office like Vulcan Legal Group that specializes in Fair Debt Collection Practice.
Emily Ingram
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