Minnillo & Jenkins, CO. LPA
Call 513-723-1600
For A No-Pressure, Free Consultation

Understanding one's rights when dealing with a debt collector

Many individuals in Ohio and elsewhere have experienced the stress of dealing with the burdens of debt. Overwhelming monetary obligations can be challenging enough on their own, and constant collection attempts may do little to ease the situation. Those who face similar circumstances could benefit from knowing what actions a debt collector can take, as well as the actions that may be prohibited.

Individuals who are constantly dealing with debt collectors might find it beneficial to understand their rights, as there are rules and regulations that govern a creditor's actions. While some may have concerns about facing a lawsuit in relation to his or her debts, there is a statue of limitations that dictates how long a creditor has to file a claim. This period begins after the last payment was made on the debt, but it can be reset should an individual admit to responsibility of the debt or make another payment.

One may also find it advisable to request written documentation outlining the details of the debt, which could help prevent an individual from being the victim of a scam. There is also a limit as to how many times a collector can call a debtor each day, and rules that prohibit calls between certain hours. A person may also be able to stop the calls completely by sending in a written request to cease contact.

Understanding one's rights concerning communications with a debt collector can relieve a great deal of stress, but it may not absolve him or her of any debts owed. When facing a similar situation, a person could speak with an experienced bankruptcy attorney for advice on making informed decisions regarding his or her financial future. An attorney in Ohio can address a client's situation and provide advice on how to pursue relief from debts through the necessary channels.

Source: ABC News, "10 things anyone dealing with a debt collector should know", Jeanine Skowronski, Accessed on Oct. 20, 2017

No Comments

Leave a comment
Comment Information
Email Us For A Response

How Can We Help You?

Bold labels are required.

Contact Information
disclaimer.

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.

close

Privacy Policy

Contact us right now for a free bankruptcy consultation

NACBA - National Association of Consumer Bankruptcy Attorneys

Proud Member NACBA

We are proud members of the NACBA, a national organization dedicated to serving the rights of consumer debtors. Read More

Super Lawyers

Jenkins Named Super Lawyer!

Founding partner, Christian A. Jenkins, was selected by his peers and the media as a Super Lawyer. Read More

Cincinnati Office
2712 Observatory Avenue
Cincinnati, OH 45208

Phone: 513-723-1600
Cincinnati Law Office Map

Cincinnati Office
792 Eastgate South Dr
Suite 150
Cincinnati, OH 45245

Phone: 513-685-0612
Cincinnati Law Office Map

Fairfield Office
447 Nilles Rd
Suite 9
Fairfield, OH 45014

Phone: 513-795-0995
Fairfield Law Office Map

Covington Office
526 Philadelphia St.
Covington, KY 41011

Phone: 513-795-0995
Map & Directions