Financial hardship affects all areas of your life, and when debt collections agents start calling, it’s important to know your rights. According to Luke A. Weiland Attorney at Law in Wisconsin Rapids, WI, you’re protected from aggressive tactics under the Fair Debt Collection Practices Act, though that doesn’t relieve you from these obligations. Whether you’re struggling with business or personal finances, there are best practices for paying debts and handling creditors—and consulting an attorney can help you navigate the steps.

Keep the following tips in mind to make the debt collections process more manageable.

Don’t Tolerate Creditor Abuse

Creditors are bound by law to treat you respectfully. Though they have the right to be persistent about debt collections, threats, abusive language or tactics, and harassment are violations of your rights. Scare tactics such as having you arrested are illegal, and a lawyer can help defend your rights if you’re dealing with aggressive creditors.

Don’t Let Them Take Advantage of You

In some cases, collectors may not be clear about the debt they’re after and bully you into paying. No matter the case, they are required to provide full information about the debt, including the terms of the contract and who they represent. They are in no way allowed to force you into using certain payment methods. Third-party collection agencies sometimes take advantage of your financial stress, so it’s important to understand who holds your debts and what your payment options are.

Follow Safe Payment Practices

There are many ways to pay debts. Personal check, direct bank account withdrawals, and money transfers are viable options, but working your bank directly offers the greatest security. Money transfers come with costly fees and using a credit card only moves the debt to a personal account. Avoid prepaid cards, as scammers often use this method to steal private information. If you’re unsure how to pay, ask your attorney to recommend the safest method.

Whether you’re dealing with abusive debt collections agents and need help managing your finances, a lawyer at Luke A. Weiland Attorney at Law can help. They help clients struggling with individual and business-related debts, and will work closely with you to restore your financial health. Call (715) 422-6808 today to schedule a consultation, and visit their website and Facebook to learn more about their practice.