Mikrona
Active member
When it comes to dealing with debt collectors, one of the best ways to avoid any harassment is to refuse to pay the amount you owe. This will allow you to avoid the calls entirely, and the debt collectors cannot pursue you for the amount owed. You can also refuse to answer the phone if the caller is from a legitimate company. The best way to respond to a phone call from a debt collector is to call the company directly. The phone number to call is often on the letter, so you can ask for the account number and address in writing.
Professional debt collectors use harassment tactics and can also try to collect money from you in an effort to force you to pay. You should immediately stop any harassing calls from debt collectors. Oftentimes, these collectors will accept cash on the spot as a settlement. However, you should never be fooled into paying an amount that you cannot afford. If you are approached by a debt collector, make sure to write back and keep a copy of the letter. You can also send the original letter through certified mail.
Don't be afraid to ask a debt collector to offer you a payment plan. While it might sound scary to give out personal information over the phone, these companies are legally required to send you written information before asking for money. This means you shouldn't give out your credit card number over the phone. This can result in a debt collection scam and reset your debt clock. When this happens, you should wait until the debt collector actually offers you a settlement in writing.
The first step to take is to notify the debt collector in writing that you are no longer willing to pay the balance. You should always send the letter by certified mail or through the mail. If you're unable to meet this deadline, you can request that they stop harassing you. Alternatively, you can send a letter to the debt collector through the internet to let him know that you are unable to pay.
If you can't afford to pay, consider getting a debt validation instead. Many debt collectors will try to deceive you and get you to pay. But you can avoid the hassle altogether by being smart and using common sense. The process of negotiating with a debt collector can be stressful, and you should be able to avoid them. It is important to know your rights and know what to do if a debt collector is calling you.
Professional debt collectors use harassment tactics and can also try to collect money from you in an effort to force you to pay. You should immediately stop any harassing calls from debt collectors. Oftentimes, these collectors will accept cash on the spot as a settlement. However, you should never be fooled into paying an amount that you cannot afford. If you are approached by a debt collector, make sure to write back and keep a copy of the letter. You can also send the original letter through certified mail.
Don't be afraid to ask a debt collector to offer you a payment plan. While it might sound scary to give out personal information over the phone, these companies are legally required to send you written information before asking for money. This means you shouldn't give out your credit card number over the phone. This can result in a debt collection scam and reset your debt clock. When this happens, you should wait until the debt collector actually offers you a settlement in writing.
The first step to take is to notify the debt collector in writing that you are no longer willing to pay the balance. You should always send the letter by certified mail or through the mail. If you're unable to meet this deadline, you can request that they stop harassing you. Alternatively, you can send a letter to the debt collector through the internet to let him know that you are unable to pay.
If you can't afford to pay, consider getting a debt validation instead. Many debt collectors will try to deceive you and get you to pay. But you can avoid the hassle altogether by being smart and using common sense. The process of negotiating with a debt collector can be stressful, and you should be able to avoid them. It is important to know your rights and know what to do if a debt collector is calling you.
