How to Gather Evidence for Your Collection Harassment Case

With our collective debt skyrocketing, and more companies outsourcing their accounting, it’s no wonder that debt collection harassment is on the rise. Too many people are facing abusive representatives, unfair credit ratings, and misrepresented debts, and they’re not sure who to turn to for help. Thankfully, there are laws that can protect you from these kinds of tactics, and some great consumer rights attorneys in Los Angeles to help you!

However, the key to winning any legal case is having strong evidence to back up your position. If you feel that you are being unfairly treated by a lender, creditor, or collector, it’s important that you gather as much data as possible. Here are some tips for gathering comprehensive evidence for your potential consumer rights lawsuit:

  1. Ask for things in writing

Whenever you are approached about a debt, whether you actually owe it or not, ask to see the accounts and records in writing. You are legally allowed to request copies of the account details, original creditors, and past attempts to collect on the debt. Make sure you get as much in writing as possible, as this holds up well in court.

  1. Double check your records

Sometimes, calculation errors happen, or incorrect information is added to your debt accounts, so it’s a good idea to double check all of your records. Look at your online accounts, bank statements, credit card statements, and other lender documents, and compare those with the things that collection agents tell you or send you in the mail.

  1. Save every interaction

It might sound like a pain, but if you want to win your case, the more strong evidence the better, so don’t hesitate to save proof of every interaction. This can include letters, emails, phone calls, text messages, and any illegal correspondence between the collector and your employer/family members/friends.

When you owe money, you shouldn’t be forced to deal with abuse or harassment at the hands of a collection agency or lender. Contact Martin & Bontrager today and let us help you prepare for your case, and get you the compensation that you deserve!