a debt relief lawyer can help stop collection calls and harassment. When you hire a debt relief lawyer, they will work on your behalf to protect your rights and ensure that you are treated fairly by creditors and debt collectors.
Here are some ways in which a debt relief lawyer can help stop collection calls and harassment
Cease and Desist Letters
A debt relief lawyer can send a cease and desist letter to the debt collector on your behalf. This letter demands that the collector stops contacting you and harassing you about the debt. Once the collector receives this letter, they are legally obligated to stop contacting you, except for specific circumstances such as informing you about legal action.
Verification of Debt
If you dispute the validity of the debt, a debt relief lawyer can request the debt collector to provide verification of the debt. The Fair Debt Collection Practices Act (FDCPA) requires debt collectors to provide written verification of the debt if requested by the consumer. If the collector fails to provide proper verification, they may be prohibited from continuing collection efforts.
Filing a Lawsuit
If the debt collector continues to harass you despite your lawyer’s intervention, they can file a lawsuit against the collector for violating the FDCPA or other applicable state laws. If successful, you may be entitled to damages and the debt collector may be required to pay your attorney fees.
Negotiating a Settlement
A debt relief lawyer can negotiate with the debt collector on your behalf to reach a settlement agreement. This may involve reducing the total amount owed, setting up a payment plan, or negotiating a lump-sum payment to satisfy the debt. Once a settlement agreement is reached, the collector should stop contacting you as long as you adhere to the agreed-upon terms.
Bankruptcy Protection
If your debt situation is severe, a debt relief lawyer can guide you through the process of filing for bankruptcy. When you file for bankruptcy, an automatic stay is put in place, which prohibits creditors and debt collectors from contacting you or pursuing collection efforts. This provides immediate relief from collection calls and harassment.