By ignoring debt collectors you could end up even further in the hole because of the interest fees and late charges being added to your account every month.

Instead, you should evaluate your options. First, if debt collectors are calling you constantly, harassing you, or making your life miserable, you don’t need to continue speaking with them. Instead, get their contact information and send them a letter via certified mail that tells them not to call you anymore. You can instead choose to communicate in writing only.

Next, evaluate if the debt is valid? Have you received proof showing that it’s a legitimate debt? If you are certain that the debt is real, try to negotiate with the debt collectors. They may be willing to settle for a lesser lump sum amount, or accept payments from you over a period of time.

If you are being harassed about a debt that is not yours, there are legal actions that you can take to make it stop, and possible get compensated for the harassment.  Additional, if it is your debt but the debt collectors are being abusive in violation of the Fair Debt Collection Practices Act, (FDCPA) there are also legal actions that you can take, as well as possible compensation.

If debt collectors are making your life miserable, you have legal options. Please call my office, The Law Offices of Todd M. Friedman a call today at (877) 449-8898.  We will help make the harassment stop and may be able to get a financial award for you.