Even though many debt collectors are small operations, you can usually recover your judgments against the collectors. Many collectors carry professional liability insurance to protect themselves against consumer claims. The existence of such insurance is often important in settling claims. Families with low incomes and limited assets may be eligible to obtain free legal services from a neighborhood legal services office, and those offices may pursue such claims. Other consumers can contact local bar associations for pro bono attorneys who might handle the case.
Some cities have lawyers who regularly handle debt collection harassment cases.
In other areas, you can find a personal injury lawyer willing to pursue the case on a contingent fee basis. The key to convincing a private attorney to take the case will be the availability of an attorney fee award paid by the collector if you win the lawsuit. What you should tell your attorney Once you find an attorney, your job is to document the extent of collector misconduct and the impact on your family. Although you may not want to discuss your feelings about the harassment, it is key to determining what kind of legal case you have. In addition, telephone charges, transportation, medical bills and counseling services could all be part of your actual damages.