Third Party Collection to Recover Your Debt
This is not uncommon for the third-party debt collection agencies to threaten the debtors with the lawsuits, sometimes they do it illegally. Such agencies do it to scare the debtors and ask them for payment. You are free from this threat once you select a reputed debt collection agency. For example, if the debt is old and the statute of limitations has expired, then a debt collector or a creditor cannot take you to the court. In this case, because they cannot sue you, the lawsuit threat is still illegal. The debt collectors are prohibited to harass you, contact you at work hours or office, or call you constantly in odd hours like early in the morning or late evening. If a collector calls you at work hours or at office, the Federal Trade Commission alerts the agency, either in writing or verbally, that you are not allowed to make such calls.
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