What You Need To Know About Debt Collection Attorneys

If you are one of the hundreds of people who owe past due debt in country, chances are, you already came across collection attorneys. Collection attorneys are notorious for using intimidation in order to get people to pay past due debts. However, there is also a lot of misinformation online. In this article, we will discuss several misconceptions about debt collection attorneys.

Not All Debt Collectors Are Lawyers

Don’t be too quick to believe debt collectors who claim to be attorneys because some of them are just masquerading as one to intimidate you and this is illegal. Debt collectors are not allowed to present themselves as lawyers for the sole purpose of collecting money. Under the FDCPA, you can file a complaint against such practice.

They Cannot Threaten You

In the past, debt collection attorneys are infamous for using their degree to intimidate and threaten people into paying up. They will try to get into people’s head by using legal jargons and sometimes, even far-fetched threats like jail time or property lien. Under the FDCPA, debt collection attorneys, just like debt collectors, have no special power of ANY KIND, to financially and/or legally harm debtors. If you think that a debt collection attorney has crossed the line, don’t hesitate to file a complaint.

Debt Collectors Can File a Credit Card Lawsuit

Most people think that since debt collection lawyers know more about the law than anyone else, they can easily file a credit card lawsuit. However, debt collectors can file a credit card lawsuit as well. Most collection agencies have their own in house lawyers and they can work together to file a credit card lawsuit against delinquent debtors.

Debt Collection Attorneys Aren’t Always From Large Corporate Firms

Don’t assume that debt collection attorneys automatically belong in large corporate firms because some only work in tiny, one person offices or in a debt collection agency office. It can be quite intimidating to face a debt collection attorney but the fact is, things aren’t always what they seem and you should always put things in perspective.

If you have come across debt attorneys who crossed the line, with threats of wage garnishments and credit card lawsuit, don’t be too easily deceived. You should know your rights before you start dealing with any debt collection attorney or agent.

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