Nashville: Let Our Lawyers Tell You Your Rights Regarding Collection Calls

    NASHVILLE, TN, July 14, 2015 /24-7PressRelease/ -- Are you being harassed by Nashville debt collections or calls from creditors? Knowing your rights is important, and when it comes to debts, you have plenty of rights. Here are some of the most important:

Written Information: A debt collector cannot simply call you up and demand money over the phone. If this happens, it's probably a scam. Instead, after calling a collector is required to send you a written notice that details the debt and who you owe it to, typically within several business days. This note must include steps you can take to question or challenge the debt if necessary. If a creditor does not send you this information, request it before moving forward with any payments.

When You Can Be Called: There are laws in place that prevent Nashville debt collectors from disrupting your rest and family time. For example, a debt collector cannot call before 8 a.m. or after 9 p.m. Because many collections are outsourced, sometimes across the world, this law is often ignored by collectors - but you can report them. Collectors can call you at work, but must stop calling your workplace after you request that they do so. You may send in a written request that a collector no longer contact you - but this often leads to your debt being sold to another collector, or sent on for a lawsuit against you.

Your Privacy: A debt collector must keep your debt relatively private. In other words, a collector cannot contact your family, your employer, your friends, your neighbors, or the people you work with and tell them about your debt. They can make contact to find out your current address, but are not allowed to reveal that you owe money. Unfortunately, this is another law that is frequently ignored by more aggressive collectors. Contact a Nashville lawyer if you are worried about your privacy being violated.

Professional Language: When contacting you, a collector must remain professional. They cannot use threats or any type of profane language. They cannot coerce you into paying by claiming that you have committed a crime. This is an easy why to separate the tactics of cheap, second-hand collectors and your creditors, because original creditors are far more likely to remain civil.

Disputed Debts: You can dispute a debt if you believe something is wrong. This means that you must send the details of your dispute and the evidence you have that a debt is wrong. The debt collector must stop making collection calls and verify the debt, then send you the verification information, before resuming collection calls. Again, second-hand debt collectors often do not have access to all the details of your case and may be more likely to ignore this law.

Established in 1983, Clark & Washington is now one of the leading bankruptcy filers in the Southeast. They have locations in Georgia, Florida and Tennessee. Clark & Washington specializes in personal chapter seven and 13 bankruptcy. They offer honest, helpful legal advice to those experiencing financial hardships.

For more information, visit www.bankruptcyattorneyNashville.com.

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