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Taking legal action against a debt collector

On Behalf of | Aug 16, 2021 | credit card debt |

If you are dealing with a debt collector, you likely have a number of hardships to work through. Aside from struggling with intense levels of anxiety and uncertainty, some people face hardships because debt collectors violate their legal rights. If you have experienced unlawful debt collector harassment, it is pivotal to understand your options and stand up for yourself.

However, there are many factors to take into consideration when it comes to addressing illegal debt collector harassment.

Filing suit against a debt collector

If a debt collector has violated your rights and you want to file a lawsuit, the Federal Trade Commission states that you must file the suit within one year from the date on which illegal debt collection practices took place. It is important to note that laws vary from one state to the next and state laws also differ in comparison to federal law.

The outcome of litigation against debt collectors

When it comes to lawsuits targeting debt collectors, every case is different. In some instances, people can secure compensation for lost wages or even medical costs they incurred as a result of debt collector violations. In fact, even if victims of unlawful debt collection practices cannot prove these damages, they could receive $1,000 in compensation as well as reimbursement for legal costs.

With this said, it is important to remember that even if you successfully take action against a debt collector, you could still have the obligation to repay the debt you owe. Make sure you thoroughly go over all of your options and determine the best course of action.

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