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One of America's more rapidly growing crimes, identity theft can have a significant impact on your life. To prevent identity theft, examine your credit from all three credit bureaus - Equifax, Experian and TransUnion. If you notice a false entry, you must send the credit reporting agency, the bank and the debt collector the following items: a copy of the credit report with the false information and a letter explaining the error. Make sure to retain copies of the correspondence and send the letters return receipt requested.
In a debt harassment lawsuit, the plaintiff may be entitled to monetary damages, including compensation for emotional anguish, damage to credit, and job loss.
Debt collectors are subject to federal debt collection law, which outlines strict requirements for those attempting to collect a debt.
Debt harassment attorney Billy Howard explains how retaining harassing phone messages from debt collectors can help strengthen a debt harassment case.
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