Consumer Law

Should Alabama Consumers Contact A Consumer Lawyer The First Time They Hear From A Debt Collector?

By M. Stan Herring

Whenever an Alabama resident is contacted by a collection agency or debt buyer or debt collector, we recommend that the Alabama resident contact a consumer attorney. There are several critical reasons why we recommend this.

First, there are some rather strict deadlines about what can be asked of a debt collector in, for example, the first 30 days after contact.

Second, many Alabama residents have been intimidated into paying debts that they do not owe simply because they thought they had no choice but to pay. You should never feel obligated to pay a debt that you do not owe!

Third, many debt collectors or collection law firms or debt buyers are abusive and violate the Fair Debt Collection Practices Act and state law and you can sue them for doing so. It makes sense to know your rights as early as possible in your dealings with collectors.

While being in a car wreck and being contacted by a debt collector is not the same thing, in both cases it makes sense to get a free evaluation of your rights. Just as some insurance companies try to discourage injured victims from getting legal counsel, the collection industry has tried to do the same for the same reason - it is easier to deal with people who don't know their rights. Don't let this happen to you - have a free consultation with a lawyer and know your rights and options and then you can make the best decision for you.

Full post as published by Alabama Consumer Blog on February 20, 2008 (boomark / email).