Stopping debt collection calls demands strategy beyond the simple “Do Not Call Me!” letter fired off by many uninformed people who get themselves sued.
Monica D. of Tuscon, AZ, wants to know how to stop debt collectors from “harassing” her.
Unfortunately, Monica doesn’t define harassment…I can’t tell if she’s annoyed or harassed.
For Monica and many, many other people, debt collectors can be intrusive, disrespectful and unabashedly aggressive. While legitimate, unsatisfied debts need to be resolved, debt collectors CANNOT violate your rights.
Rights? Yes, YOU have rights, and debt collectors are banking you have no clue about your rights. Click READ MORE now for Monica’s surprise gift. To Monica’s surprise, she gets debt collectors off her back…and a little more.
DEBT COLLECTORS TURN UP HEAT
Tip: Think carefully before firing off a “Do Not Call Me!” letter.
The Fair Debt Collection Practices Act
In 1977, Congress passed the Fair Debt Collection Practices Act. This act keeps debt collectors from calling at inconvenient times or bothering you at work. However, not all debt collectors get the memo. Under the Fair Debt Collection Practices Act, you can tell creditors to stop calling either verbally or in writing.
Tip: Use the FDCPA to Stop Debt Collection Phone Calls! Send a letter certified mail instead of a phone call. In fact, I don’t believe there’s a reason to talk with a debt collector by phone unless you’re tape recording and you have informed the debt collector you are taping the call--many states including Florida require two party acknowledgment before legally taping a call.
If the calls do not cease after the letter is sent (and don’t be surprised if the calls continue), the creditors are legally liable. Furthermore, the federal law is on your side.
The Importance of the Fair Debt Collection Practices Act
Nasty creditors harass debtors and their families, and they may exaggerate what can happen to a debtor in order to collect. You don’t have to face these types of creditor calls alone. Use the FDCPA to your advantage, instruct the creditors to stop calling. Without the distraction of bad creditors, you can focus on finding a way to pay down your debt.
Tip: In my newsletter THE BIG EXPLOSION, I review specific details regarding debt collection violations and how to put a debt collector on notice you have evidence of violations. When you have leverage against a debt collector, you return to the driver’s seat.
In Monica’s case, she discovered much to her delight the debt on which debt collectors were calling and calling and calling her at home, at work and to her neighbors was outside statute of limitations.
The letter Monica sent the debt collector stopped the debt collection calls. It wasn’t her fault she “got away” without paying a legitimate debt reported accurately.
Stop debt collection calls and “harassment” using strategy first before thinking about firing off a “Do Not Call!” letter. Have you grabbed your copy of my FREE CD 8 SECRETS TO A 680 CREDIT SCORE? If not, get yours now before I run out again. Once you get my CD, you can receive my newsletter THE BIG EXPLOSION where I share other people’s successful experience with debt collectors and your rights. It’s amazing just how empowered you are when you understand your rights. It’s almost as if debt collectors don’t scare you any longer. To get my free CD, enter your primary email address in the box at the top right of this page. Once you get my CD, please scroll down this page to the box where you can share your experience with debt collectors. Have you ever encountered a nasty debt collector? What did you do?
Welcome back! Got a question for me...or an experience to share? Please go to the bottom of this article to ask a question or share an experience. :) Thank you!
Related Posts -
Bad Credit Repair - Beware Debt Zombie Debt Collectors Demanding You Pay...or else! Bad credit repair requires STRATEGY before you throw even one penny at some debt collector who's harassing, screaming, berating & threatening you! Felicia wants to make right by her debts! But she doesn't know where to start. Before you ever consider throwing a penny at a debt collector, check out...... -
Credit Repair After Paying Off Debt Collectors Leaves Credit-Success Subscriber Staring At Horrible Credit Scores...And Asking Me Why! Credit repair after you hand over your money to the debt collectors becomes much more difficult...darn near impossible. Do not flush any leverage you have to force debt collectors to work with you. Get this right or else. Paying off even one collection "the wrong way" can be very expensive...... - Bad Credit Repair Takes Backseat To Creditor's Lawsuit! Bad credit repair takes backseat when Tiffany discovers unknown creditor hits her with lawsuit. httpvh://www.youtube.com/watch?v=gEieJ196r-0 Tiffany claims she knows nothing of the creditor who's suing her over $593.50. $593.50! (?) Typically, I don't hear of lawsuits over a few hundred dollars. Tiffany claims she reviewed her credit reports along with......
-
Bad Credit Repair Panics Young Woman To Tears! Bad credit repair has hit over 113 MILLION people now! Every day, countless people lose their jobs, unable to feed their families. Last month, employers threw pink slips to over 700 THOUSAND people! ...700,000 people! WTF! These hard-working people who did nothing wrong are losing their jobs, losing their homes,...... -
Credit Repair Fast "Experts" Spill The Beans On Removing Bad Credit! Credit repair fast "experts" pretend only THEY possess the knowledge and ability to help you fix your credit and regain your good credit life. Ironically, most credit (dis)repair companies LOWER your credit scores and help you get SUED! That's right, credit (dis)repair companies' monthly fee includes firing off "rounds" of......
- A Good Example of A Bad Debt Collector Photo by: mugley The following is a guest post by Cindy from Oh My Aching Debts, where she blogs about...
- Common Credit Repair Mistakes Most people make mistakes when they try to repair their own credit. It isn’t that credit restoration is complicated or...
- Things to Have Removed from your Credit Report If you want to repair your credit quickly, there are a number of things that you can do to fix...
- Debt Sale Off -- Prosper to Apply Post Charge Off Collection Techniques Doug Fuller on Friday announced that the debt sale has been called off and that Prosper was going to "apply post...
- How to deal with credit card collectors With the economy struggling to stay afloat and unemployment higher than it has been for years, a lot of people...
Loading ...
{ 1 trackback }