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Don’t Let Debt Collectors Harass You: Tips for Managing Your Debt.

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Are you knee deep in debt? Have your accounts been turned over to harassing debt collectors for unpaid debt? You are not alone. Many people are currently facing financial crisis. Although your debts may be in the hands of a pesky debt collector, know that you still have rights. Debt collectors cannot harass you or engage in abusive tactics in order to collect on the debt.

Your financial situation can get better. Consider the options below in order to alleviate some of your financial stress.

1. Manage Your Income and Expenses: The first step to managing your financial condition is to develop a budget. Know how much money you are bringing in and how much money that you spend.

2. Contact Your Creditors: If you are unable to make your monthly payments, contact your creditor and request to be placed on a payment plan.

3. Deal with Debt Collectors: Know your rights. The Fair Debt Collection Practices Act protects debtors from being harassed or abused by debt collection companies. If you feel that a debt collector is harassing you by, for example, calling you consistently, threatening you with violence or legal action, contacting your family and co-workers, contact a FDCPA attorney for help. Your rights may have been violated thereby entitling you to monetary compensation.

4. Credit Counseling: If it is difficult for you to create and stick to a budget, contact a reputable credit counseling organization. Many credit counseling organizations are non-profit and can assist you in managing your debt and getting it under control.

5. Debt Settlement Programs: Debt settlement is different than credit counseling. Debt settlement can negatively impact your credit report and, in turn, your credit rating. However, with debt settlement, it is possible to get a reduction in the amount of debt that you owe.

If you are being contacted by a harassing debt collector and feel that your rights have been violated, you should call an experienced attorney at Shainfeld & Anvar today in order to discuss your rights. If a debt collector has violated your rights, you may be entitled to monetary compensation up to $1,000.
If you would like to speak with an experienced FDCPA attorney at Shainfeld & Anvar, call us today at for a FREE CASE EVALUATION or visit us at
My Consumer Law Center.