But how do you know when and if you can sue?  And how can you accomplish this when you are living on a modest budget?  What if you can’t afford an attorney?  What if you don’t even know if your case is strong enough to win?

Help is here!

You might not know this, but there is a method to dealing with illegal creditors that can cost you little to nothing to protect your rights.

#1. First off, you don’t need to hire a private investigator or lawyer to get what you deserve.  You can simply rely on your own investigation skills.  You can begin by familiarizing yourself with your states specific laws in regards to the actions of your creditors.  You will also want to familiarize yourself with all credit related federal laws.

#2. Many creditors rely on the thought that consumers are not aware of the majority of credit collection laws.  Therefore, they will both bend and break the law in order to collect a debt.

#3. You should create a list of all known laws in your state.  You should keep this list next to your telephone for easy reference.   The majority of creditor illegal activity is done over the telephone because there is no paper trail.   You should also know, that as a consumer it is your legal right to record any and all phone calls you receive from creditors.

#4. Any time you are approached by a creditor by the telephone or by mail, you should document the date and time of their contact.  You should also note if their method of contact violates the law.

#5. You should also always ask for the name of the creditor, their telephone number, and direct extension. If the creditor does carry out an illegal action you will want to document what law or act they have violated.

This is the investigation phase. 

This is a very simple phase which you can carry out on your own.

#1. Now, if you do catch a creditor carrying out illegal actions, you don’t need to hire an attorney to implement action.   Each and every state has an state attorney general whom you can contact free of charge.  You can provide them with the information that you have collected and explain how your rights were violated.   The state attorney’s office will then contact the creditor on your behalf to further investigate.

If they do find that your rights have been violated they will be the ones who will press charges or file suit on your behalf.

Many individuals have seen their credit wiped clear from executing their own investigations and using the state attorney to carry out the legal process.  You don’t need money to sue a creditor, all you need is a little time and research to learn your rights and to defend them.