Debt collection abuse is not a rare sight. Threatening, coercing, and bullying in the name of debt collection is a practice that has been done for years. If you believe a debt collector in any way is harassing you, you can reach out to an Illinois debt collection lawyer. These experienced lawyers know how to tackle the situation while ensuring you receive a fair judgment. Let us see what goes behind a case with a wrongful and abusive debt collection.
What evidence and testimony you can collect to support your case
- If there is a strange message from the debt collector on your voicemail, do not remove it. Keep it might as well make copies of it.
- To arrange more witnesses, if your abusive debt collector calls you and harasses you, make your friends and family hear him by taking him on the speaker.
- This is a no-brainer; keep all the letters that you have received from your debt collector. Also, send all the letters to your debt collector via certified mail to have a proper record and to receive the mail.
- It is essential to have someone who has witnessed the debt collector’s harassment. You might have co-workers who witnessed the debt collector’s phone calls or friends and family who saw the debt collector’s phone calls at odd hours. Collect all the witnesses before you approach an attorney. There are high chances that an attorney will take up your case regarding the details of the witnesses.
- Watch out for your credit reports and if any debt collectors have reported debt to your credit reports. Debt collectors can report false debts and change information about debts when they report to credit bureaus. It is better to save your credit reports and correct them with the credit bureaus if needed.
How does a debt collection lawyer help
- Debt collection lawyers have years of experience dealing with debt collectors and anyone else who collects debts like a creditor, lender, etc.
- A lawyer can make more persuasive arguments and is armed with the best negotiation skills.
- A lawyer can represent you in court if needed. Debt collection cases often don’t end up getting to court. But if your case leads to litigation, you will have a lawyer to represent you before the court.
- Lawyers help you avoid debt collection agencies; these agencies are not qualified to give you legal advice or file lawsuits.
- A lawyer can sense whenever a debt collector tries to violate any rules. This can give you leverage while you negotiate.