What is it about debt collectors and the agencies they work for that is so scary to many people?

Well, for starters, it is certainly understandable for persons in Arkansas and elsewhere to feel frightened when they are dealing with challenging debt loads.

As we have noted in prior posts, the sources of debtors’ stress are many these days. Job losses have been the primary catalyst for rising debts in many families. Unexpected medical bills make life difficult for many, as do student loan obligations, credit card payments and other exactions.

The debt collection industry plays a central role in the debt drama when actors within it begin their incessant contacts and escalating demands for payment.

A recent article on collection efforts advises debtors to make a good-faith effort to square their debts and deal purposefully with creditors and collection efforts.

In other words, don’t ignore debt. Try to work things out. Educate yourself. Keep good records.

All of that spells good advice, but collection is a two-way street, and there is an ample and well-demonstrated history of abusive behavior in the collection industry.

It doesn’t have to be put up with — ever. There are laws against it and remedies that can stop it.

A harassed and threatened debtor can contact an experienced debt relief attorney for advice on how to proceed and interact — if at all — with an unscrupulous debt collector.

Creditors’ harassing contacts can be stopped instantly when a person files for bankruptcy, pursuant to the so-called automatic stay provided for under relevant law.

Bankruptcy helps many people steer clear from abusive collection efforts and regain financial footing. A proven debt relief lawyer can explain how and describe the process.

Source: Fox Business, “10 tips for dealing with debt collectors, collection,” Fred O. Williams, April 3, 2014