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?
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