Dealing with past-due debts and financial struggles is challenging enough on its own. But when you add aggressive creditors into the mix, the situation becomes even more difficult to manage. Luckily, there are steps you can take to mitigate any added stress and regain control of the situation. From hiring a bankruptcy attorney to learning your rights, the following tips are the best solutions for dealing with aggressive collectors.

3 Tactics for Dealing With Aggressive Collections

1. Ask for Written Correspondence

Many know that when it comes to legal matters, it’s always better to get the information in writing. When you start receiving collections calls, ask to have the debts sent to you in writing. Legally, they are required to send you a written notice within five days of their call. Not only will this lessen the stress placed on you from dealing with aggressive tones over the phone, but it will keep you protected in the event you need to dispute any of the claims. 

2. Know Your Rights

It may offer some peace of mind to know that your legal rights must be adhered to during your calls with the collectors. Collection agencies are required to abide by rules that respect you and avoid confrontational tactics. This includes calling you after 9 p.m., using foul language, threatening you, making false claims about who they are, or harassing you with multiple calls. If you find any of these rights have been violated, you can file a claim against the collections agency. 

3. Hire a Bankruptcy Attorney

The best way to protect yourself against aggressive collection tactics is to hire a bankruptcy attorney. Not only will they ensure your rights are respected, but they will handle all communications on your behalf, so you can focus on getting your finances in order. 

If you need help managing aggressive tactics from debt collectors, turn to John D. Wieser Esq., PC. Located in Rochester, NY, this bankruptcy attorney is committed to protecting the rights of all his clients. He will advocate on your behalf and handle all communications with the creditors to ensure the most favorable outcome possible. Give him a call today at (585) 328-0660 to schedule a consultation, and visit his website for more information on his services.