When a person owes a debt, they know it must be paid. What happens if a debtor cannot pay their debts and the bills start to pile up quickly? Unfortunately, the collections calls can become overwhelming. Individuals who owe money need to be aware of the steps they can take to stop these calls and ensure they are not bothered further.
Unexpected Issues Can Cause a Person to Be Unable to Pay Their Debts
Most people do not want to get into debt, but there is sometimes no other option. If a person gets in too deep into debt, they may find unexpected issues arise that prevent them from being able to honor their payment plan. Those who cannot pay their bills should seek help from Debt Legal Defense.
The loss of a job and an unexpected illness can both wreak havoc on a person’s ability to pay the debts they owe. If a person finds they cannot pay their bills, they need to call the debt collector right away and let them know.
Four Ways to Stop Debt Collection Calls
Some people do not realize they have certain rights when it comes to debt collection calls. There are ways individuals can get these calls to stop, and it is important a person takes action as soon as possible.
Unfortunately, ignoring the calls will not make them stop. Individuals should learn about the following options for stopping debt collection calls before they begin occurring frequently.
1. Ask the debt collector to provide proof of the debt. A Request for Validation must be honored, and the debt collector cannot call again until they have fulfilled this obligation.
2. Individuals can also write a Cease and Desist letter. This letter prevents the debt collector from calling again. It is important to note that the debt collector still has the option of contacting a debtor regarding the filing of a lawsuit.
3. Hiring a lawyer is another option for stopping debt collection calls. A lawyer will help a person fight the debt in court or can help them pursue bankruptcy, which could absolve them of the debt.
4. Bankruptcy is the answer for many people who are sinking into debt. Once bankruptcy has been approved, the debt collectors are not allowed to call the debtor or contact them in any way.
Schedule a Consultation Appointment
After a person has found they cannot afford to pay their debt, it is important they contact the business they owe right away. Sometimes, a person will find they are able to obtain payment arrangements that can help them get their payments back on track.
A consultation appointment with a lawyer will allow individuals to learn about their rights as a debtor. Individuals will also discover information on the steps they need to take to get the debt collector calls to stop.
The lawyer will review their client’s financial records, including the debts owed. In some cases, it is in the best interest of the debtor to file for bankruptcy. Multiple types of bankruptcy are available, depending on the individual’s situation.
If you are in over your head with mounting debt and the collection calls will not stop, there is help available. Speaking with a lawyer will allow you to learn about the options that are available and how they can help you overcome the debt. Now is an ideal time to get started on the process of overcoming debt and stopping the harassing phone calls.