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titleBeing Harassed by Debt Collectors? Get A Grip/titlecategory3/categoryAs usual, it’s a good news, bad news scenario. The good news is that you’ve made a commitment to live within your means. But on the other hand there’s a remnant from the past that has popped up to bite you. Every time you hear the phone ring you jump. The debt collection company is on your case. The a href=http://www.fairdebthelpers.com/Resources.htmlcreditor harassment/a has begun.

The phone is ringing at all hours, and the voice at the end of the line is getting less and less friendly. You have heard them refer to the pre-litigation department. And now they’re saying they intend to investigate your assets and mark an involuntary recommendation on your file.

You have been accused of refusing to pay and the a href=http://www.fairdebthelpers.comaggressive debt collectors/a have threatened to put a lien on your house. A few times they even mentioned the possibility of going to jail if you don’t pay. Don’t they know you’d pay if you could?

But it’s important to keep it in perspective. A few hundred years ago in the British legal system a person who could not pay a debt would be declared bankrupt and imprisoned. They didn’t fool around in those days. Laws in 1571, 1604, and 1623 even made it illegal to help a bankrupt person. In some cases a person could even be hanged, although that was not very common. Imprisonment was far more common.

Even earlier in history, the Greeks and Romans had a simple solution for the poor soul who could not come up with the cash. They simply condemned the slacker to slavery and arranged for the creditor to be paid with hard labor.

So as bad as you are feeling, take a deep breath and be thankful that things are a lot better today. Today in most countries abusing debtors is against the law.

In fact even the practice of harassing a debtor is illegal in the United States. The law designed to stop abusive and overly aggressive collection practices is called the Fair Debt Collection Practices Act - a href=http://www.fairdebthelpers.com/Learn-About-Rights.htmlFDCPA/a for short. This law exists to make illegal some of the more common tactics used by debt collectors. The things you are experiencing could very well be turned around and used against the collection agency that is hounding you.

If you think that is the case your best course of action is to be proactive, and contact a fair debt attorney. But before you do, it’s a good idea to get your facts straight and make a special point of recording what is happening to you. Make a note of the phone calls. Do not exaggerate, just put down the facts. An experienced fair debt lawyer is likely to find that you are entitled to monetary compensation at the expense of the collection agency.