There are times when people are in urgent need for finances and they do not have the required amount. In such a situation they have to go to the lenders to fulfill their needs and then due to some reasons they are not able to pay back the loan. There may be many reasons for not repaying the loan on time; there may be some financial crises or any misshapen. But the lenders do not understand all these things because they just want their money back once the time period is over unless they hire debt collection agency which use various Debt Collection Practices to get back the money.

The Debt Collection Practices used by the lenders are very unfair and abusive. They use offensive methods and speak harsh words to the debtors. The Debt Collection Practices used by the lenders are so insulting that the things become more difficult for the debtors. Therefore there is a need to protect you from the unfair Debt Collection Practices and thanks to Debt Collection Laws that are formed to protect the debtors from the unfair treatment from the lenders. According to the Debt Collection Laws there are certain Debt Collection Practices which are unlawful and cannot be used by any lender or debt collection agency. They are:

• No debt collector can use Debt Collection Practices that may harass, abuse or oppress the debtor according to the Debt Collection Laws.

• According to the Debt Collection Laws the Debt Collection Practices like using threats for violent activities or obscene language is illegal.

• Publishing the names of the debtors and making repeated phone calls are also considered unlawful according to the Debt Collection Laws.

• The Debt Collection Laws also states that it is illegal if the collection agency provides false statements regarding the matter.

• The collectors do not have any right to say that the debtor will be arrested or face seizure, garnishment or selling of assets until they get the legal permission to do so under the Debt Collection Laws.

Therefore, if the debt collector does not abide by the Debt Collection Laws then legal action can be taken against them.

If you find that a debt collection agency is using unfair Debt Collection Practices then you will need the help of Debt Collection Laws and must immediately contact a legal firm which can provide you help. The legal advisors who are working in this field will be able to tell you whether you can sue the debt collection agency. Thus, advice and help from a reputed Debt Collection Laws firm ensures protection against harassing, abusive and unlawful Debt Collection Practices.

However, one important thing that you must keep in mind is you will have to repay the loan in any circumstances. The legal advisors can prevent the unfair Debt Collection Practices used by the debt collectors against you but they will not be able to do anything regarding your debt. It is you who will have to repay the debt. The Debt Collection Laws not only prevent the rights of the debtors, in fact they also provide laws to prevent the rights of the debt collection agencies against those debtors who take loans and forget about it.