Santa Ana Chapter 7 Attorney – Santa Ana Debt Relief
As a Santa Ana Chapter 7 attorney, I understand that a difficult economy can cause people to take extreme measures. In this economy, creditors are not getting paid what they are owed, so often times they resort to collection efforts that are illegal. But, you don’t have to take it. The only way to stop these creditors is to know your rights and take action with a Santa Ana Chapter 7 attorney.
There are a set of very stringent guidelines, known as the Fair Debt Collection Act, to which creditors must adhere. If they break these rules, they may be liable for fines and your attorney fees. The reality is that most debtors don’t believe they have ANY rights at all. They think that because they have missed a couple credit card payments their creditors have the right to harass them in any manner they wish. Wrong. The following are some things you want to watch out for:
First, many creditors will blame illegal collection tactics on the fact the collector is new or a trainee. They will console you by saying that the trainee just hasn’t been given the rules. This is absurd. ANY harassing phone call requires you get the name, supervisor, date and time of the call.
Second, don’t be afraid to let the collector know that you are 1) recording the phone call and 2) taking it to a Santa Ana debt relief lawyer. You would be amazed how nice a debt collector becomes when you mention these two facts.
Third, the only way that a collector can break some of the rules is to give them permission. Don’t do it. Don’t give them permission to do anything.
Fourth, your debt collector may have your credit report and may be using it against you. Stay current on your credit report so you are armed with at least as much knowledge at them.
Fifth, you may negotiate a settlement or write-off with the collector. If this happens, make sure to get it in writing. As a Santa Ana Chapter 7 attorney, I cannot tell you how many times credit card companies renege on their promises if not in writing.
At the Law Office of Harold D. Thompson we want to make sure that creditors do not take advantage of you. Since 1976, we have been helping consumers in Santa Ana, Orange County and all of Southern California stop creditor harassment and unfair debt collection practices. It is up to you to stand up against these predatory creditors. Call our office today at 888.665.8330 for a free consultation, download our comprehensive Ebook or find out how to become a client right away!
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