Tips For Getting Rid Of Debt Collectors
If you're in debt and have gotten in over your head, you're well aware of this problem.
You don't need constant phone calls reminding you that you have unpaid bills in which the interest rates and late fees are piling up.
Yet, that is the job of a debt collector.
They call and call in order to get you to come to some agreement of repayment of your debts.
If your debts are large, you know that repayment is just not going to happen right now.
So what do you do to make them stop calling? How do you go about getting rid of debt collectors? Following are some tips and important information about your rights and the debt collector's responsibility.
There is protection for those that have debts in the Fair Debt Collection Practices Act.
There are certain rules that they must follow.
They may only call you between 8am and 9pm.
They have to stop calling if you request it in writing.
And several others that, if followed correctly, should reduce or eliminate the debt collection calls.
Another method to get the phone calls to stop is to simply change your phone number.
Many people will not want to do that given that it's an imposition on them, but it is a way in which the phone calls will stop.
However, do know that if they cannot contact you by phone, they may, according to law, call others to find your location.
They may not tell why they are calling, but it is within their rights to call others to find your location.
At that point, the phone calls or other contact may resume.
You may want to pick up the phone, speak directly with the representative calling, explain your situation, and work out some sort of agreement.
You will find that the companies will be willing to work with you in order to get your debts paid off.
They will not take unreasonably low payments, but they will be willing to work with you so that both of your interests will be served.
The harassing phone calls will stop, your payments will decrease to something that you can live with, and your credit score will be restored.
Finally, a more recent option is to acquire the services of a credit counselor or debt management system.
These people will work directly with the creditors for you in order to get your interest rates down, the late fees to stop, and the phone calls to stop.
You will sign over your interest in this particular debt to the credit counselor and let them take it from there.
These are all ways in which you can unload your debt collectors and stop having communication from them.
The Fair Debt Collection Practices Act is there to protect you while going through this process.
Familiarizing yourself with this act and ending the phone calls through one of the above mentioned methods will restore peace to your life.
You don't need constant phone calls reminding you that you have unpaid bills in which the interest rates and late fees are piling up.
Yet, that is the job of a debt collector.
They call and call in order to get you to come to some agreement of repayment of your debts.
If your debts are large, you know that repayment is just not going to happen right now.
So what do you do to make them stop calling? How do you go about getting rid of debt collectors? Following are some tips and important information about your rights and the debt collector's responsibility.
There is protection for those that have debts in the Fair Debt Collection Practices Act.
There are certain rules that they must follow.
They may only call you between 8am and 9pm.
They have to stop calling if you request it in writing.
And several others that, if followed correctly, should reduce or eliminate the debt collection calls.
Another method to get the phone calls to stop is to simply change your phone number.
Many people will not want to do that given that it's an imposition on them, but it is a way in which the phone calls will stop.
However, do know that if they cannot contact you by phone, they may, according to law, call others to find your location.
They may not tell why they are calling, but it is within their rights to call others to find your location.
At that point, the phone calls or other contact may resume.
You may want to pick up the phone, speak directly with the representative calling, explain your situation, and work out some sort of agreement.
You will find that the companies will be willing to work with you in order to get your debts paid off.
They will not take unreasonably low payments, but they will be willing to work with you so that both of your interests will be served.
The harassing phone calls will stop, your payments will decrease to something that you can live with, and your credit score will be restored.
Finally, a more recent option is to acquire the services of a credit counselor or debt management system.
These people will work directly with the creditors for you in order to get your interest rates down, the late fees to stop, and the phone calls to stop.
You will sign over your interest in this particular debt to the credit counselor and let them take it from there.
These are all ways in which you can unload your debt collectors and stop having communication from them.
The Fair Debt Collection Practices Act is there to protect you while going through this process.
Familiarizing yourself with this act and ending the phone calls through one of the above mentioned methods will restore peace to your life.
