When an individual in debt does not pay, the creditor may sell that debt to a consumer debt collection company. Debt collectors will then contact the individual who owed the money and try to get payment on the debt. In the past, debt collectors may have used unfair and abusive tactics in pursuit of getting individuals to pay off their debts.

Any debt incurred such as a home loan, car loan or any loan that has collateral as security for the loan, is protected by law. Debts incurred by an individual that have no collateral are called unsecured loans, and thus have little protection for the lender.

Creditors usually sell unpaid debts to debt collection companies. These companies must adhere to federal debt collection laws. These laws are collectively known as F.D.C.P.A.

The debt collector is not allowed to contact you either very early or very late in the day. Nor can the collector contact you at your place of business. This is once you notified the company either over the phone or by letter, that they may not do this.

A consumer debt collection agency may not discuss the debt with anyone other than you or your spouse. They are, however, allowed to contact family members or others who can reasonably give contact information for you.

Collectors cannot harass the debtors. This includes ceasing to call when asked in writing, not using profanities, not threatening the debtor and other similar behavior. Collectors are not allowed to lie about the debt. They also cannot make a false statement about the consequences of not paying the debt, such as threatening the debtor with prison or wage garnishment, unless they have begun legal proceedings to start the wage garnishment.

Consumer debt collection firms are also prohibited from charging any unlawful fees on top of the original debt owed. You should know your rights as a consumer. Protect yourself from harassment.

It is highly suggested that you ask for professional help once you are caught up in such situation. You can always hire an agent from a debt negotiation company who will assist you in the process of settlement. You can be assured of relief because these professionals will talk to your creditors on your behalf. Get rid of those harassing phone calls that ruin your day.

A consumer debt collection firm will always be aggressive in trying to make you pay off your debt. That is why debt negotiation services are here for you. Opt to have their service and be sure to have an ally on dealing with debt together with those collectors. Manage your financial situation and exercise your rights as a consumer.

Debt Free Solutions is a debt consulting company located in Long Beach, CA. We have been in business for 10 years. We assist Americans across the U.S. to eliminate excessive credit card and other unsecured debt.

We utilize various programs and strategies to aid them in dissolving their debt in the quickest, safest, and most efficient method possible. We also analyze the risk factor. We structure our programs to drastically minimize the risk that is inevitable with all debt elimination programs.

We offer our clients much more than a debt settlement company does. The vast majority of debt negotiation companies simply settle your debts on your behalf with your creditors- nothing more.

On the other hand, we provide free services to significantly help to minimize the risks that are involved in negotiating with your creditors.

First, we offer a free, no-risk 10 day trial service. During our free trial, we negotiate with your creditors on your behalf to lower your interest rates. Also, we research to see if you have any old debts that you are not legally liable to repay. If, for any reason, you are not completely satisfied, you simply walk away. No commitments. No contracts.

Next, we provide a comprehensive credit repair service to all our clients. This is a $795 service that is absolutely free!

Also, we offer free attorney consultation (a maximum of five sessions) in case one or more of your creditors makes any threats.

Last, we provide a written guarantee that our clients’ creditors will settle for an average of 50% or more for all of the debts they attempt to negotiate.

Our services are competitively priced- and include the above free services!

Joseph Hernandez

CEO

Debt Free Solutions

www.debtfreesolutions.mobi

(800) 668-8090