If you owe a sizable amount of money, there is a good chance that you have debt collectors contacting you. While it is legal for them to call you, there are very strict laws in place to protect you from harassment from debt collection agencies. If you feel that you are being unlawfully abused and hounded by debt collectors, you need to take the necessary steps to protect your rights. For example, in most states, it is illegal for a debt collector to call you after 8pm. If debt collectors are repeatedly calling you at all hours of the night, you need to take legal action to stop this from happening. The Fair Debt Collection Practices Act (FDCPA) protects you from being harassed. Here is how you should go about hiring a debt collection attorney.
Consult with people who have sued debt collectors
You may know some people who have experienced problems with debt collectors in the past. If any of these people actually sued the debt collection company that was harassing them, you would be wise to speak to them and get their advice on how they went about finding the proper legal representation. If they were able to win their case, you should also ask for the name of their attorney. You can set up an appointment to discuss your case during a free consultation with the FDCPA attorney.
Look at debt collection attorney websites
Every good attorney has a website these days. Spend some time browsing the sites of the various debt collection attorneys that practice in your area. Before you start calling them to set up appointments, you should thoroughly read their websites. Find out how much experience they have. Ideally, you want to find an attorney who has been dealing with debt collection harassment cases for at least five years. This level of experience is invaluable when you are in the courtroom. It is always a good idea to pay a little extra to hire an experienced attorney. The additional money will be well worth it if the attorney can win your case and stop the harassment for good.