How can you tell if a debt collector is legitimate or operating illegally? As established McKinney collections harassment attorneys, we understand the confusion caused by the tactics of some agencies. Each year, many people fall victim to aggressive, intimidating and manipulative practices used by unscrupulous debt collectors. Fortunately, we can help you identify when you might be dealing with debt collection scams.
Best Questions to Ask to Identify Illegitimate Debt Collectors
The debt collection process can be a serious hassle, especially if you suspect that someone is trying to trick you out of your money illegally. At Lucé Law, PC, we want to help you identify illegal debt collectors who might be trying to take advantage of you and your assets. If you think that you might be dealing with an illegal debt collector, consider the following key questions.
When are payments due?
While real debt collectors will warn you well in advance about payment due dates, illegal collectors might demand money on the spot or within the day. Keep records of these communications to ensure you get fair treatment in collections lawsuits.
Did the collector provide contact information?
A legal collector will give you full contact information, including physical and web addresses. An illegal collector, on the other hand, might not share any such details with you.
What payment options do I have?
Illegal collectors often offer limited payment options, such as only accepting credit card information over the phone. Legal collectors, however, will give you several options, including payments by phone, by mail, online, or through a money wiring service.
How does the collector act?
Traditional debt collectors will treat you with a calm, polite, and non-judgmental attitude. Illegal collectors will often seem abusive, demanding immediate payment and refusing to answer your questions. If you experience aggressive, confrontational demands of this kind from debt collectors, speak with a McKinney litigation attorney for advice on your legal rights, and options for stopping the harassment.
Speak With a Collections Harassment Attorney in North Texas
Lucé Law, PC provides legal protection for individuals dealing with illegitimate debt collectors. Our dedicated McKinney attorney team will evaluate your case to ensure your rights are protected under federal and state collection laws. For assistance, call (972) 632-1300 or request a free legal consultation.
