Creditor harassment can be a problem

The phone rings — again. Apprehension fills the air as the Tennessee resident worries about who is on the other end. Every day, numerous individuals face financial struggles as they attempt to pay their bills. These struggles are then multiplied as creditors start to call and creditor harassment becomes a problem.

At times, these calls come with threats to have the individual arrested, add additional interest charges, harm the individual or continue with calls at home and work until the bill is paid. These scare tactics are meant to cause the individual to pay without looking into his or her available options. Additionally, these tactics are illegal. It is lawful for creditors to call the individual, but the time period in which these calls can be placed is limited. Additionally, if the individual is unable to receive calls at work, this can be communicated to creditors so that they are informed that they are not permitted to call the individual’s place of employment.

It is probably tempting to simple turn the phone off; however, this would prevent important calls from getting through. Perhaps the better alternative is to simply have the creditor calls stop. One way that this can happen is by informing the creditor that the individual does have legal representation and providing that information.

For the majority of Tennessee residents facing creditor harassment, their preferred option would be to pay the bill. However, there are times when this is not possible. Rather than being afraid to answer the phone, the individual may want to pick it up and reach out for help in solving the problem.