We all know that it’s best to stay out of debt. should you be responsible for them? Well, one lawyer decided to come up with a way to get some petty revenge after being bullied over the phone by someone trying to track down his ex-wife and collect his credit card debt. Shows the full story you recently did. share Reddit, and some of the responses from funny readers.
Debt collectors can be ruthless when it comes to tracking individuals
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However, after being contacted by someone looking for his ex-wife, this attorney decided to prevent a debt collector from calling him again.
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No one wants to overspend, but more than a third of Americans find themselves in credit card debt each month.
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We were all warned many times when we were younger not to fall into debt under the circumstances of necessity: “That will ruin your credit score!” “For life!” In a perfect world, no one would be haggled by a debt collector because no one would be in debt.But unfortunately it is very common for people to spend more than they have on things like education, homes, cars, medical bills, etc., making it one of the most common types of debt we incur. One is a credit card.According to bank rateA whopping 35% of Americans have monthly credit card debt.
The states with the highest credit card debt rates in the US include Alaska, Connecticut, New Jersey, Maryland, and Virginia, with average credit card debt exceeding $6,200. And while every generation is guilty of having some level of debt, right now, Generation X tends to have the most debt. The average debt for Generation X with credit card debt is about $7,070. But even more concerning is that he 43% of individuals facing credit card debt don’t know the interest rate being charged, which is likely around 20%.
Debt collectors can have difficulty getting in touch with debtors, but they must follow strict guidelines about who to contact and when to contact them.
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Paying off these debts can take months or even years, but with a clear and strategic budget, it can be done. One of them is to open a balance transfer credit card that charges 0% interest for a set period of time,” Bankrate explains on its site. “Some of the best balance transfer credit cards have 0% on his APR for up to 18 or 21 months. You can pay off your debt without having to pay.”
But if debt collectors start chasing you before you manage your finances, don’t panic. It’s important to know your rights and how to respond when you receive a dreaded debt collection call. “Your rights as a debtor include the right to have an attorney, the right not to be sued after a certain period of time, the right to ask debt collectors to stop calling you, and the right to file a complaint against them.” Lindsay・Explained in the Bansomeren article balanceIt is also important to know that there is a statute of limitations on how long a debt collector has the right to sue an individual. Varies by state, but usually about 3-6 years.
Debtors should also be aware of the rules that debt collectors must follow when trying to get in touch. “Collectors can contact you by phone, mail, text her message, email, social media, and even in person,” he writes VanSomeren. “They can also contact people you may know to find you, but you are not allowed to tell them that the purpose is debt collection.” swearing, threatening, harassing, swearing, calling between 9:00 pm and 8:00 am, calling more than 7 times in a 7-day period, You cannot talk to anyone other than yourself. Alternatively, send a letter that is easily identifiable as being from a debt collector. Therefore, it is certainly not within the rules to contact your ex-spouse of eight years ago to discuss debts.
It also makes sense to be wary of calls from debt collectors. It’s hard to tell if it’s a legitimate call or just a scam attempt.
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It is always wise to ask for the contact information of the debt collector as well. “Scammers sometimes pretend to be debt collectors, so they should be vetted. Ask for the name of the debt collector, the company they work for, and their contact information,” he wrote VanSomeren. I’m here. Debt relief attorney Leslie Tayne, founder of Tayne Law Group, PC, also researched the company online to confirm its legitimacy and then called them directly instead of actually calling the number back. recommends checking to see if there is an account in your name.
In this particular case, the debt collector seems to have learned a lesson not to contact this attorney again, but it’s still important to know your rights in case you find yourself in a similar situation. We welcome your feedback below. Would you have enacted such petty revenge?Then if you’re interested in checking another bored panda Articles featuring glorious petty revenge, look no further Here!
Amused readers soon began to admire the lawyer’s brilliant petty revenge.
Some even shared similar personal experiences and tips on how to deal with these situations in the future.
