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WHY DO WE SUE DEBT COLLECTORS?

  • Jared Hartman, Esq.
  • Posted on December 8, 2013

 

“Your client allowed himself to go into debt in the first place, so it’s his fault for being harassed by debt collectors.” We sometimes hear people make this statement when talking about suing debt collectors. People who have never had to deal with debt collection harassment and who have never had to go through the frustrating and unforgiving process of credit repair sometimes just don’t understand how it feels. The reality is, though, that the debt collection harassment laws were enacted by Congress to promote four guiding principles: 1) Truth, 2) Fairness, 3) Dignity, and 4) Respect.

No-one wants to go into debt. Virtually every debt is incurred because of some form of economic hardship, such as unplanned-for interest fees, company lay-offs, inability to find a job in a tough economy, or even death or serious illness or injury within the family. Hardly anyone actually incurs a debt with the intention of never paying it back. Although debt collectors try to make it look like debtors are low-life people who had malicious intentions upon incurring the debt, this is almost always far from the truth. Everyone deserves to be treated with fairness, dignity, and respect, and deserves to be free from dishonesty and trickery from debt collectors.

When debt collectors show no mercy or forgiveness, and fail to treat people with truth, fairness, dignity, and respect, they are generally violating the many laws that govern how debt collectors can operate their collection activities. Such violations undermine the integrity of our society and our economy, and allowing them to get away with simply shows them that they can continue their harassing conduct towards others.

Before these laws were in place, debt collectors would often go to the extremes of threatening people with violence, falsely threatening that the debtor has committed a crime by failing to pay a debt, falsely threatening lawsuits, publishing in the media lists of “dead-beats” containing names of people who are in debt, and many other extremely disturbing conduct. These extreme violations are rare today, but they still do happen. Do not let them get away with it; YOU DO HAVE RIGHTS!

Contact us TODAY for a free, confidential consultation to discuss what your rights are and to discuss the proper ways to assert your rights.