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Most people, given the opportunity, want to pay their bills. Some unscrupulous businesses, however, have committed themselves to abusing consumers. Rather than working with consumers to reduce debt, these unscrupulous businesses take advantage of anyone that deals with them. Federal and state law protects consumers from these businesses.

Friday, August 26, 2011

Do I Still Have Rights if I Actually Owe the Debt?

Generally, creditors and/or debt collectors are permitted to contact you about a debt you owe in order to obtain payment on that debt. However, legitimately owing a debt does not give debt collectors permission to harass or threaten you about that debt. Many of those in debt are hardworking people who want to pay their bills but, for one reason or another, are simply unable to do so.

The Fair Debt Collection Practices Act specifically protects all consumers against harassing, unfair or deceptive debt collection practices and defines “consumer” as “any natural person obligated or allegedly obligated to pay any debt.” A person in debt does not deserve any less respect than a person who is not in debt.

Even if you legitimately owe a debt, the FDCPA was designed to protect consumers against abusive debt collection practices and an attorney can help you determine if your rights have been violated. Meredith Phillips (205)912-8244
Blankenship Harrelson, LLP
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