Know More about Credit Card Harassment and Collection Agency Harassment
Today, you will find most of the people making purchases on credit cards. Credit cards provide the facility of buy now and pay later. It is kind of loan which you will have to repay back after a certain period of time. It is very beneficial but be careful to repay the amount of debt because in case you forget to pay back the loan you may have to face serious consequences like Credit Card Harassment. In present times Credit Card Harassment has increased to a considerable extent because of increase in usage of credit cards. There are some people who buy things on credit card and repay the amount of purchases sincerely while others do not repay the amount. As a result credit card companies appoint collection agencies to collect the amount of purchases. This may to Credit Card Harassment because they can use offensive and harsh methods to collect the debt.
The methods used by the collection agencies in collecting debt leads to Credit Card Harassment like they make continuous telephone calls, send emails, they can also visit your house or work place. This will really be very embarrassing for you. Therefore, if you want to avoid such situations leading Credit Card Harassment you must first pay back your credit card debt.
If you are unable to repay the amount of debt on your credit card; the debt collectors have the right to contact you but they do not have the right to harass you, thanks to the law. In the law there are provisions to protect the people from the Collection Agency Harassment. They make continuous calls and send reminders, which is very annoying and make the borrower’s life a living hell. The debt collectors can contact you at a proper time and place but calling at odd hours is a Collection Agency Harassment and can make you feel miserable. There are provisions in the law that you may lodge a complaint against the Collection Agency Harassment in order to protect your interest.
There are some myths regarding Collection Agency Harassment. Many of us believe that if we are unable to pay the debt we will be taken to jail by the credit card companies. Actually, it is not so. If you can produce genuine reasons for not paying your debt you may not have to face Collection Agency Harassment.
Thus, it is always better to pay back the debt on time to avoid situations like Credit Card Harassment and Collection Agency Harassment.
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