If you have debts in arrears, you may be receiving constant calls from debt collectors.
Please don’t fall for a trap, as scammers frequently disguise themselves as legitimate debt collectors to convince people that they have unpaid debts and intimidate or threaten them into paying debts that they do not owe.
To spot scammers, keep an eye out for these indicators
If you’ve received a call from someone with a debt they claim you owe, take the time to ensure that the debt and debt collector are legitimate.
Find out details about the person who called you, such as the caller’s name, name of the collection agency, its address, and its phone number.
It is also important to confirm that collectors of debt can provide you with:
The total amount of loan;
The name of the current creditor;
The original creditor’s name? [The creditor who initially made the loan];
How to dispute the debt.
One indicator that identifies fraudsters is abusive, threatening, or demeaning words. If this occurs, the debt collector is either a fraud or is in violation of the law.
Do not divulge private information like your address, social security number, or birth date to anyone calling you or claiming that they are a debt collection agency. Legitimate debt collectors already have the information.
In the past, debt collectors were only able to contact you by phone or write you a letter. Now, they can contact you by text messages, emails, and social media.
If they contact you through social media, they must follow specific guidelines. They cannot send you messages that anyone else can read as they identify themselves as debt collectors. They must also instruct you on how to unsubscribe from their social media messages.
If you have questions about debt collection agencies, call Diwan Law to receive a free consultation. 404-635-6883
If you face a situation involving a consumer transaction and feel like the business is taking advantage of you or not treating you professionally, contact Diwan Law. Diwan law provides legal advice for all aspects of consumer law.
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After falling victim to a business’s deceptive or fraudulent acts, consumers often find themselves needing an Atlanta consumer rights attorney. Turn to the leading Atlanta Consumer Protection Lawyer. Diwan law is dedicated to fighting for you.
We serve clients across Georgia, including, but not limited to, clients in the following locations: Fulton County including Atlanta, Milton, Roswell, and Sandy Springs; Bibb County including Macon; Carroll County including Carrollton; Cobb County including Kennesaw, Marietta, and Smyrna; Coweta County including Newnan; DeKalb County including Brookhaven, Clarkston, Decatur, Dunwoody, and Stone Mountain; Douglas County including Douglasville; Floyd County including Rome; Gwinnett County including Duluth; Habersham County including Cornelia; and Hall County including Gainesville, Cherokee County, Henry County, Forsyth County, and Paulding County.