While creditors possess the legal right to pursue the collection of debts that consumers lawfully owe, there exist federal laws meticulously designed to prevent them from employing overly aggressive or harassing tactics during their collection endeavors. These laws aim to strike a balance between a creditors’ right to collect and a consumer’s right to fair treatment and privacy.
One of the common ways that creditors may harass consumers is by initiating excessive phone calls. Some creditors resort to calling debtors multiple times a day, often during times that can be deemed inconvenient, like early mornings or late nights. The law unequivocally views such repeated and excessive calls as unlawful, especially when they tend to disrupt the daily life of the consumer.
Making threats constitutes another method of crossing legal boundaries. There are instances where creditors unscrupulously threaten consumers with severe consequences such as arrest, lawsuits, or the seizure of assets if the outstanding debts are not settled promptly. In reality, the majority of these threats are unfounded, and the creditors legally cannot execute most of them. These threats serve primarily as intimidation tools, intended to coerce payment from the intimidated consumer.
Lastly, the propagation of false claims by creditors is another critical issue. Some creditors deliberately convey incorrect information regarding the owed debts or exaggerate the consequences that can be legally imposed, with the intention to intimidate and pressurize the consumers into settling the debts. These deceptive practices severely undermine the trust between the creditor and the debtor and are flagrant violations of the law.
If creditor harassment is causing you stress, Second Start Financial is ready to step in and offer you the support and solutions you need. Here’s how we aim to bring you relief and help stop creditor harassment:
Additionally, paying only minimums means it takes much longer until debts are fully repaid. Settlements, on the other hand, consolidate and accelerate the payoff timeline. As a result, settlements allow for becoming debt-free more quickly.
Firstly, we excel at negotiating with creditors. Our skilled team steps in to stop those distressing calls and arranges payment plans that you can realistically stick to. We interact directly with the creditors, easing the burden on you and ensuring a harassment-free experience.
Additionally, we are really good at helping to settle debts. We try our best to get you to pay less than what you originally owed, making it easier for you to deal with your debts. This way can make dealing with debts less stressful and more manageable for you.
If you need advice, we have great guides who can help you understand how to manage your money better. Our wise guides will give you tips on making a budget, deciding which debts to pay first, and managing your money in general. This will help you be more confident and knowledgeable about handling your money journey.
Moreover, we promise ongoing support throughout your journey. We’re here to resolve any queries and to offer consistent support until you have successfully achieved a debt-free life. Consider us your financial ally, guiding you through every financial hurdle and challenge.
If you find yourself facing a lawsuit from a debt collector, we make sure you get the legal help you need. We stand by you during these tough times, ensuring you get the proper advice and solutions to work through the legal troubles.
Second Start Financial is here to help you deal with annoying calls or messages from people you owe money to. We talk to these people for you, try to reduce the amount you owe, give you helpful money tips, and stay with you at every step. We want to make sure you feel helped and strong to take charge of your money situation and stop the annoying contacts from the people you owe.
Imagine how much relief you’ll feel when those constant harassing creditor calls finally stop. No more angry voicemails demanding money. No more worrying when the next call will come. No feeling embarrassed at work when collectors call your personal business. Second Start Financial can make the harassment stop immediately so you can breathe easy again.
You can sleep better at night knowing the abusive, deceptive, and illegal tactics creditors use are over. Federal laws protect you from harassment, and Second Start Financial will ensure creditors respect your rights. No more worrying about threats that violate the law. You can rest easy and sleep peacefully.
With Second Start’s help, you can start the process of becoming debt free at last. As you pay down debts, your credit score will rise over time. A better credit score saves you money on future loans and credit cards. You can start moving forward positively again.
When the calls and stress from debt collectors stop, you’ll feel more relaxed every day. You can put your time and energy into happier parts of your life. Try out a new job, enjoying good times with family and friends, and going after your dreams without always worrying about money holding you back.
Our experienced team can stop the harassment and create a customized plan to resolve your debt. You can live harassment free and feel financially empowered again with help from SSF.