Is Harris & Harris, Ltd. Harassing you with calls over your debt??
When your account gets sent to a third party debt collector like Haris & Haris, it means that you have defaulted on a loan, credit card or utility payment. It is the job of these third party debt collectors to pursue the unpaid debts on behalf of the firm you owe.
These collection agencies will begin to contact you to discuss your debts. Life happens sometimes and your financial responsibilities may constantly be on the rise, making it almost impossible for you to pay back what you owe. As the days pass, it becomes even more difficult to attempt sparing money to settle your debt. As a result of this, you may want to ignore the debt collector and even consider not paying back what you owe.
Ignoring collection agencies
There are many reasons why you may want to shut your eyes to debt collectors; health issues, lack of sufficient funds and so on.
However, this has many disadvantages. Apart from the countless calls you may begin to receive from these agencies, other effects of ignoring them include:
- Lawsuits: A debt collector can choose to sue you over unpaid debt if you refuse to discuss with them. If they get a judgement against you, they can also ask the court to garnish your wages.
- Unfriendly interest rate
- Bad for credit report: Debt collectors report accounts to the credit bureau and this may be a dent on your credit.
- Employment issues: Many employers look into the credit reports of potential employees. Seeing a collection on you card doesn’t speak well.
The disadvantages of ignoring a debt collector and trying to escape a debt you owe are numerous. Instead of avoiding settling your debt, see knowledge on what to do about your debts.
When you don’t have money to pay debt collectors
Life happens and sometimes, of it is not very pleasant. It may lead to tight financial situations which may make you fall back on your bills. In times like this, paying a debt collector will seem almost impossible. When you are unable to settle your debts, do the following:
Negotiate with your collection agency: Speak with the debt collector and explain the situation of things. Ask them if you qualify for a reduced payment or any form of forbearance. This will help you get in a better position.
Budget, plan and prioritize: You may need to cut down on some expenses that you can do without and plan with what you have.
Find a new source of income: This may mean getting a part time or freelance job.
Set up a payment plan: Communicate with your creditors and tell them how much you can afford to pay monthly.
Consider selling your home: If you have an expensive home that you’re having a hard time paying for, you should consider selling it off.
Seek help from family and friends.
Beware of scammers: Being in financial crises makes you vulnerable to certain fraudulent individuals.
- Seek legal advice.
About Harris & Harris, Ltd.
Harris & Harris, Ltd. is a nationwide provider of accounts receivable management services, and performs collections for clients in healthcare, utility, and government.
Phone: (312) 251-2300
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About this site (Telephone Harassment)
Here at Telephone Harassment, we are all about informing consumers about their rights regarding harassment from debt collectors, collection law firms and Original lenders. We also encourage consumers to share their experience dealing with collection harassment, legal threats or excessive phone calls to help prepare others for the kind of treatment they are likely to receive. We alert consumers of scams, and notify them about the harassment and scare tactics that many collection agencies employ, many of which are against phone harassment laws.
Call us now on 844-791-1990
Harris & Harris, Ltd. may be contacting you from the following numbers:
Harris & Harris, Ltd. BBB Information
BBB file opened: 7/27/2015
Consumer Rights Law Firm Center BBB information
BBB Rating: A+