Attorneys can help you fight debt harassment

Debt collectors often resort to unlawful practices while attempting to collect on a debt. In the first place, the debt may not be yours at all. Hence you need to establish the genuineness of the debt and ask the debt collectors to verify the debt by sending you all details of the debt. If the debt is established as yours, even then you are protected under the FDCPA and can contact an attorney to safeguard your rights.

If a debt collector has threatened you with reporting your bad credit to Credit Reporting Agencies, it is time you took action. Repairing a credit report with bad credit history is one of the most time-consuming and intricate works, if you have to repair it. A credit report needs repair if any of the three credit reporting agencies (CRAs) – Equifax, Experion or Trasunion – have been given wrong or misleading information by debt collectors.

The Fair Credit Reporting Act (FCRA) along with the Fair debt Collection Practices Act (FDCPA) is enforced by the Federal Trade Commission (FTC) and private litigants to protect the rights of consumers. The FCRA was designed to improve the accuracy and efficiency of the credit rating reports of consumers. The FCRA regulates the collection, dissemination, and the use of consumer information, including consumer credit information. The FDCPA has been designed to stop the harassing debt collectors and ensure justice to debtors.

Should there be an instance of harassment or misconduct from debt collectors, they are liable under both the FDCPA and the FCRA for threatening you and reporting wrongly about your credit. Contact attorneys at www.yourcreditrights.com to understand your rights under the FDCPA and the FCRA. Experienced attorneys are available to represent you in a court of law.

Attorneys at www.yourcreditrights.com follow an efficient and successful procedure of handling credit report errors, identity theft, and other consumer fraud related issues with the most constructive and satisfactory outcome for you in the shortest possible time. Over 35,000 satisfied customers vouch for the services at www.yourcreditrights.com.