The FDCPA and other laws gives you the upper hand. Not to mention your right to file bankruptcy.
A collector wants to sue? I tell them to go ahead and sue! But if I lose, I will file bankruptcy so they won't see a dime. So, they can either cooperate with me or they can f' off.
I think like the plaintiff, not the defendant. Debt collectors are bottom feeders. They have chosen to make their living by making others miserable. They are the scum of the earth. I'll be damned if they are going to harass me in any way, shape or form. But, that's just my opinion.
As a consumer living in the United States, you have so many rights. Take the time to browse federal laws like the FDCPA and consult with attorneys. Spend time at forums such as this one and learn how to stand up for yourself. You will see that there are many alternatives then having to deal with their bullshit.
|