Few things are worse than the feeling you get when picking up your phone, only to hear a debt collector on the other end. Debt collectors are known to be absolutely ruthless when they believe someone owes them money, and unfortunately, they are often also quite persistent, which you may have experienced firsthand if you are reading this. That said, if you are being harassed about debt that you do not owe, you may feel trapped and unsure of where to turn or what to do. That being said, you do have options, and you should absolutely speak with a dedicated New York City debt collection harassment lawyer before you simply pay the debt or take any other action. Here are some of the questions you may have if you are being harassed about debt you do not owe:
What should I do if I am being harassed about debt that I do not owe?
You answered the phone, and someone purporting to be from a debt collection agency tells you that you owe them money. However, you just recently paid off your debt, or you never actually owed any debt in the first place. If this is the case, you should understand that now is not the time to panic. To start, if you already paid off the debt you originally owed, you likely are in the right and have nothing to worry about. However, if you, in fact, never owed any debt in the first place and someone is telling you that you do, there is a strong chance that it is actually a scam.
You should note, however, that even if you are being scammed, you are still protected under the Fair Debt Collection Practices Act, and if you tell the debt collector to stop harassing you and the calls persist, there is a strong chance you can file a claim against the harassing party.
Can I file a debt collection harassment claim on my own?
You can, but you never should. Having a seasoned attorney in your corner can drastically improve your chances of winning your claim. Here at Rahman Legal, we understand the ins and outs of consumer law and are prepared to fight for the well-being of our clients. If you are currently being harassed by a debt collector, the smartest thing you can do is reach out to our firm so you can tell us your story and so we can help you fight for the best outcome possible on your behalf. Give us a call or contact us online today so we can get started working on your case.