Few things are worse than being harassed by debt collectors, regardless of the type of debt you supposedly owe. Unfortunately, it is far from uncommon for debt collectors to ruthlessly pursue what they believe they are owed, however, they often cross over into illegal territory when they do so. If you think you are being unfairly harassed by debt collectors regarding cell phone bill debt that may or may not even exist, you should read on and reach out to a dedicated New York City debt collection harassment lawyer from Rahman Legal who can help assess the circumstances of your case, and, from there, fight for the best possible outcome on your behalf. Here are some of the questions you may have:
What should I do if I am facing harassment regarding cell phone bill debt?
The absolute most important thing you can do is retain the services of a seasoned attorney who can help explain your rights, determine whether those rights have been violated, and, from there, take the fight to the debt collection agency that has been hounding you about your debt. Attorney Hashim Rahman has fought on behalf of debt collection harassment victims for years, and he is here to do everything he can to help you as well.
How do I know if a debt collector has violated my rights as a consumer?
Every United States citizen has certain federally-protected rights as a consumer. For example, the Fair Debt Collection Practices Act is a federal law that essentially prohibits debt collection agencies (and other entities, such as landlords) from using harassment or deception to collect the debt they believe they are owed. Therefore, if a debt collection agency of any kind has violated this Act, there is a strong chance you will have a valid claim against that agency. Some examples of actions that may violate the Fair Debt Collection Practices Act can include persistent early-morning or late-night phone calls, collection calls to family members or employers, false statements about a debt you “owe,” and more.
Though all of this can seem overwhelming, you should understand that once you hire a lawyer to represent you, the debt collection agency is no longer permitted to speak directly to you, and must instead go through your lawyer, who is well-versed in consumer law and can fight to hold the agency accountable.
The bottom line is that hiring a lawyer is your best bet at putting an end to debt collector harassment. Rahman Legal is here to help today. Give us a call or contact us online so we can get started working on your case.