Stop Harassing Calls Through Debt Settlement

Using a debt settlement attorney to get debt free relieves consumers of the stress of debt collection harassment and calls from creditors every second of the day.

Upon enrolling in debt settlement through a debt settlement attorney, debtors receive immediate protection from debt professionals who are harassing them. Creditors are informed to send all correspondence, including calls, through to the debt settlement attorney. Consumers are asked to keep a log of creditor calls with details of harassment to take back to their debt settlement attorney. Usually, harassment eases in a very short period of time.

It is the Law
Under the laws of the Fair Debt Collections Practices Act, creditors and collection agencies are under certain laws regarding their practices. If you are being harassed with threatening telephone calls, letters, and personal visits, a debt settlement attorney can and will help.

How the Process Works
Collectors are required to stop correspondence if a consumer notifies them within 30 days that the money is not owed.

Collectors must:

• Identify themselves as bill collectors and give correct names
• Tell the debtor how much is owed and the name of the original creditor.

If you contact a debt settlement attorney, collectors must make contact through the attorney and should not contact you. Thus a debt settlement attorney is the best way to get debt relief that has the backing of the law.
Collectors may not:

• Make false statements about money owed
• Use threats or obscene language
• Threaten legal action or misrepresent the legal status of a debt.

Creditors are usually required to call between the hours of 8 a.m. and 9 p.m. and may not call repeatedly to the point of annoyance. They may not tell anyone else about a consumer's debt except the consumer's debt settlement attorney. A debt settlement attorney will go over all the rules that collectors have to follow once you contact them so that way you can write down what the collectors do that is not permitted.

Eliminate Harassment With a Debt Settlement Attorney
One of the most stressful aspects of being in debt and needing debt relief is the constant ringing of harassing calls from your creditors. Shortly after you are accepted into debt settlement with a debt settlement attorney, the attorney send a letter to all your creditors directing them not to contact you.

If any creditors call you after that, the debt settlement attorney will call them to notify them that they should be dealing with the lawyer instead of you. This is the easiest way to get debt relief and free of harassment.

The Truth
Many debt settlement programs promise you that they can stop this harassment immediately. The reality is that neither a debt settlement attorney, nor anyone else, can guarantee that creditor calls will stop right away.

But debt settlement attorneys are able to substantially reduce your creditor calls within a few weeks and get them stopped eventually.

Debt settlement attorneys also have the law behind them, so if the harassment persists, they can do something about it.

All in all, the recommended route to stop calls from creditors is to contact a local debt settlement attorney and get started on the road to debt relief.