Debt Collectors — Some of the Scariest Threats
April 14, 2012 By Melvin R. Singleterry - Associated Attorneys, LLC
Debt collection agencies have quite the basket of tricks when it comes to trying to collect on a debt. There are several problems with this fact, and that is that some of the tactics that they use are not particularly legal. Fair Debt Collection Practices Act (FDCPA) established guidelines in which the debt collection agencies are supposed to file in order to keep them from crossing the line of doing their job into harassment.
Here is a list of some of the most despicable tactics:
The debt collector will say that if you do not pay them then they will file suit against you. There is one major flaw in this threat and that is that a debt collection agency cannot sue someone for not paying their bill. Debt collection agencies know that they cannot file suit, but will threaten to do so as a way to scare the consumer into paying the money.
The debt collector will say if you do not pay by a certain time in the day then you will be arrested. This is one of the more laughable threats. While it can be extremely scary if you do not know that this threat is not only illegal but impossible. Unpaid debts are a civil situation and will be handled in the civil court system not the criminal court system.
The debt collector will state that you either pay the money owed or they will take your house. Again, this is impossible. Not only does the debt collector have no legal standing to go after a consumer, but the credit card debt that they are trying to collect on is considered to be unsecured debt unless otherwise agreed upon. That means that the credit card company chose to take a chance and extend a line of credit to you based on your credit history and it will be their job to recover the money.
The debt collector will also threaten that if you do not pay then they will garnish your wages until your debt is paid in full. Credit card companies can receive a judgment that can garnish a person’s wages for an unpaid debt. This is an expensive process for the credit card company and they will have a limited time in which they will be able to choose to file suit. You will receive a notification that you are being sued, and then a judgment will have to be made by the courts before your wages can be garnished. The debt collection agency cannot do any of this.
For American consumers who are suffering from unmanageable credit card and other unsecured debt help is available. You can get the best, most effective credit card debt settlement from a licensed attorney at law who is licensed to practice law in your state. Associated Attorneys, LLC will direct you to a highly qualified, experienced attorney who will give you the debt help you need.
ABOUT THE AUTHOR: Melvin Singleterry
Melvin R. Singleterry, former Judge and former elected District Attorney is a practicing attorney who specializes in consumer debt law.
Copyright Melvin R. Singleterry - Associated Attorneys, LLC
More information about Melvin R. Singleterry - Associated Attorneys, LLC
Disclaimer: While every effort has been made to ensure the accuracy of this publication, it is not intended to provide legal advice as individual situations will differ and should be discussed with an expert and/or lawyer. For specific technical or legal advice on the information provided and related topics, please contact the author.
The debt collector will say that if you do not pay them then they will file suit against you. There is one major flaw in this threat and that is that a debt collection agency cannot sue someone for not paying their bill. Debt collection agencies know that they cannot file suit, but will threaten to do so as a way to scare the consumer into paying the money.
The debt collector will say if you do not pay by a certain time in the day then you will be arrested. This is one of the more laughable threats. While it can be extremely scary if you do not know that this threat is not only illegal but impossible. Unpaid debts are a civil situation and will be handled in the civil court system not the criminal court system.
The debt collector will state that you either pay the money owed or they will take your house. Again, this is impossible. Not only does the debt collector have no legal standing to go after a consumer, but the credit card debt that they are trying to collect on is considered to be unsecured debt unless otherwise agreed upon. That means that the credit card company chose to take a chance and extend a line of credit to you based on your credit history and it will be their job to recover the money.
The debt collector will also threaten that if you do not pay then they will garnish your wages until your debt is paid in full. Credit card companies can receive a judgment that can garnish a person’s wages for an unpaid debt. This is an expensive process for the credit card company and they will have a limited time in which they will be able to choose to file suit. You will receive a notification that you are being sued, and then a judgment will have to be made by the courts before your wages can be garnished. The debt collection agency cannot do any of this.
For American consumers who are suffering from unmanageable credit card and other unsecured debt help is available. You can get the best, most effective credit card debt settlement from a licensed attorney at law who is licensed to practice law in your state. Associated Attorneys, LLC will direct you to a highly qualified, experienced attorney who will give you the debt help you need.
ABOUT THE AUTHOR: Melvin Singleterry
Melvin R. Singleterry, former Judge and former elected District Attorney is a practicing attorney who specializes in consumer debt law.
Copyright Melvin R. Singleterry - Associated Attorneys, LLC
More information about Melvin R. Singleterry - Associated Attorneys, LLC
View all articles published by Melvin R. Singleterry - Associated Attorneys, LLC
Disclaimer: While every effort has been made to ensure the accuracy of this publication, it is not intended to provide legal advice as individual situations will differ and should be discussed with an expert and/or lawyer. For specific technical or legal advice on the information provided and related topics, please contact the author.
