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Military families report aggressive debt collection practices

We have covered the issues surrounding debt collection a lot on this blog, since aggressive debt collection practices are stressful and often illegal. People who find themselves in overwhelming debt that they are struggle to pay deserve fair treatment and are entitled to the benefit of lawful debt collection practices.

Recently the Consumer Financial Protection Bureau has been undertaking reforms to help protect people from unfair collection practices. One group that has been impacted significantly by aggressive debt collection is military families who are struggling financially. The Consumer Financial Protection Bureau says that they have received over 3,800 complaints from military families about consumer debt and about 4,700 complaints about mortgage debt collection.

One major issue is companies attempting to collect from individuals who do not actually owe them any money. It can be difficult and stressful to find a way to correct the record and shake aggressive collections practices when the solution is not simply paying back the money. In many cases debt collectors will even threaten to take people to court if they do not pay, even in cases where they truly do not know any money.

In addition to fighting for fair treatment by debt collectors, borrowers who find themselves unable to manage payments for all of their obligations may want to consider filing Chapter 7 or Chapter 13 bankruptcy. These two types of bankruptcy offer different advantages and disadvantages and have different qualifying standards. As a result, it is important to seek professional advice before making any decisions or beginning to attempt to file any papers.

Source: Military Times, “Consumer Watch: Protect yourself from unscrupulous debt collectors,” Karen Jowers, April 2, 2014

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