Best Tips for Gathering Evidence for Your Debt Collection Harassment Case
America has an astronomical amount of collective debt, and as this amount begins to rise, more companies are outsourcing their accounting, resulting in a large amount of debt collection harassment. To eliminate harassing phone calls and abusive language, the Fair Debt Collection Practices Act was passed as a federal law in 1977. When credit card companies or collection agencies violate the terms of this act, you have the right to seek representation from a qualified consumer rights attorney in Atlanta.
In order to win your case though, it is vital to compile strong evidence to support your position. By gathering as much data as possible, your chances of successfully winning your consumer rights lawsuit against a lender, creditor, or collector, greatly improve. Here are some tips to get you started:
Get everything in writing: If an agency approaches you about debt, you have the right to request to see the account and any records pertaining to it, in writing. This applies whether you actually owe the debt or not. The agency should provide you with copies of the account details, the original creditors, and any past attempts to collect on the debt. Written documents hold up well as evidence in court.
Check all your records: In some cases, calculation errors occur, and incorrect information can be added to one of your debt accounts or credit report. It is vital to compare all your records including online accounts, bank/credit card statements, and any other debt documentation, with the information conveyed by the collection agency over the phone or by mail.
Save every interaction: Even though it may seem tedious, the more evidence you collect, the better chance you stand of winning your case in court. For this reason, you should save proof of every interaction you have with your creditors including letters, emails, phone calls, and any illegal correspondence they try to have with your employer, friends, or family.
If you owe money, and have been dealing with harassment or abuse from a collection agency or lender, then contact Ben F. Windham, P.C. Our team is here to help you prepare your case and get you the compensation you deserve.