Credit card debt collectors can be aggressive and difficult to deal with. Call a Terre Haute credit card debt attorney when this happens. We can help you determine how to deal with debt collection harassment.
Dealing with debt collectors can put a strain on your family beyond the stress of serious credit card debt: You might feel harassed and intimidated, even if you’re trying to pay it back.
When debt collectors make your life difficult, call a Terre Haute credit card debt lawyer. At the Rowdy G. Williams Law Firm, we pride ourselves on taking every case personally. We want to see you and your family get out of debt and back to your normal lives, free from creditor debt-collection tactics.
Your Rights As a Debtor
Fortunately, you do have several rights as a debtor: The United States protects citizens with serious debt from harassment and related difficulties, limiting the strain debt collectors can put on you. Some debt collectors may try to intimidate you into moving faster on your payments, using techniques like the following:
- Harassing phone calls after normal waking hours
- Speaking to family and friends to get your personal information, such as an address
These tactics are off-limits, and if they continue with these actions, they could face serious consequences. Be sure that you know what rights you have as a citizen and as a debtor.
If you’re receiving these types of phone calls and messages, speak to a lawyer today. Be sure that your rights are protected, even if your payments are behind.
Negotiating with Creditors
Luckily, debt doesn’t have to be a permanent situation. A credit card debt lawyer can help you decide what your best course of action is and protect your interests from debt collectors.
In cases of credit card debt, a consolidation loan may be the best option for you. These loans pay off the creditors all at once, ending their harassment and leaving you with a single lump sum to pay off, usually with a lower interest rate to prevent further harassment.
Unfortunately, these can also cause trouble. If you don’t choose a reputable lender, for example, you could end up further in debt and with a higher interest rate. Before taking one of these loans, speak to an attorney. You need a plan to make sure that you have what you need to pay off your debt—not create more.
If this isn’t right for you, other options, such as bankruptcy, are available. Every case is different, and the type of bankruptcy will be affected by your specific situation. Fortunately, a lawyer can help you decide what your plan should be and how you’ll pay it off.
Contact a Terre Haute Credit Card Lawyer
Debt can be overwhelming, and when credit card debt collectors are constantly calling, it can be difficult to focus on any other part of your life. Fortunately, a Terre Haute credit card debt lawyer can help you end the constant calls and get the help you need to get back to your normal life.
If you’re not sure what to do next, call the Rowdy G. Williams Law Firm. We know how tough debt collectors can be to deal with, and your debt needs proper maintenance and planning to reduce and pay it off. Speak with us about your options today during a free consultation.
For more information, we’re a call or click away. Contact us at 1-812-232-7400 or through our online form below.