Law

Debt Collection Scams- What are The Ways to Avoid Them?

Debt collection plays an important role when it comes to paying your debts. The debt collector may keep calling you unless you pay the money, which you have taken from the creditor in the form of credit cards and loans. While many of them are actually hired by lenders, others may just call to scam you. They are ruthless and use foul language to take away the money from you. To deal with them, Zero Debt Law Firm has filed several lawsuits. They cannot violate consumer laws and should be punished for their actions.

How to avoid debt collection scams

While it might not be possible for you to recognize whether the debt collector is a scammer, you need to understand that a genuine debt collector will not threaten you. If he is doing so, he is just scamming you. Some of the effective ways to reduce these scams are elaborated on below:

Hang up the phone 

If the debt collector starts to use obscene and abusive language, you should not engage in the conversation and hang up on them. They cannot harass you or call you after 9 PM at the night. Therefore, the best way to avoid these scams is to avoid taking such calls.

Ask for the details

These scammers may threaten you for the court case that the agency has already filed a lawsuit against you. You must ask for the details of the litigation such as the case number and the court where the case has been filed. If they are unable to give out this piece of information, you must believe that a scammer was calling you.  If you are sued, you will be served a legal notice from the court. 

Record the call and report it to the authorities

If you keep getting such calls, you should take down the name and number of the person. You must record these calls and get in touch with authorities. If they use foul language while talking to you, you can file a case against them.  If you get calls from such scammers the next time, you can tell them that you are reporting their numbers. If they are scammers, they will not call you the next time.

It is always a good idea to get in touch with a lawyer, who has in-depth knowledge and experience in this field. He will be able to assist you in the best way.