Dealing with different types of debt is stressful. This is no secret. However, there are things you can do to stop these harassing calls. However, you must follow certain specific steps to ensure that these calls stop. Before you take action to stop the calls, you should familiarize yourself with the laws that govern debt collection calls and find out what rights or other forms of recourse you have under the law.
Ask for the Debt Collectors Mailing Address
One of the first steps you can take in getting debt collectors to stop calling you is to ask them to stop calling you and get their address. You will need to follow up on any verbal requests in writing. This is one of the main reasons why you should ask for a mailing address where you can send correspondence. Once you put the request in writing, the debt collector is obligated to honor your request.
Report Debt Collectors that Threaten You or Make False Claims
It is illegal for a debt collector to threaten you or give you false information. You may need to find a telephone number as well as a mailing address to report this type of behavior. Although debt collectors have a right to call you, and can even contact you at work if it’s permitted, they can not break certain laws when seeking to collect a debt. Loanry’s study has found that many people with debt are unaware of their rights and endure or sit through harassing calls from debt collectors. Familiarizing yourself with credit laws can be a life-saving move when it comes to creating peace of mind and putting an end to harassing calls. Loanry’s study has also revealed that people who use the credit laws to their advantage are often successful when it comes to stopping harassing calls from debt collectors.
Ask Debt Collectors to Put Everything in Writing
Another beneficial step is to ask a debt collector to put everything they are requesting or asking for in writing. You should also do the same. If you are being called before 8 pm or after 9 pm, report this behavior because it’s illegal. However, even though there are numbers you can call to report this harassing behavior, it’s also a good idea to accurately detail what the debt collector is doing. Make a note of the date, the time, and the name of the person and debt collection agency that contacted you. Get a mailing address and send the debt collection agency a letter with any request you have for them. Make sure to pay for certified mail with a return receipt because this forces the debt collection agency to acknowledge the fact that you reached out to them through correspondence.
Limit the Information You Provide to Debt Collectors
It makes far more sense to collect as much information as possible from any debt collector that is calling you. Ask them to put the information they are reciting to you in writing. Don’t answer too many questions because this information could be used against you. Instead, politely ask the debt collector to send you a letter validating the charges or debt. If the debt has changed hands and is now owned by another company, ask for the original company so that you can confirm the debt. The more information you have the better. If you don’t remember a debt or don’t feel the debt is yours, don’t pay it until you have verified the debt. Keep in mind that getting a debt collector to stop calling you isn’t the same as getting rid of the debt. It will still be there. However, not dealing with the harassing calls should ease your mind and give you time to think through the debt and figure out your next move. Loanry’s tips shed light on many of the tactics used by debt collectors and how many of these tactics are illegal. Know your rights and put everything in writing when you’re making requests.
Negotiate as Much as Possible
If you can handle your debt quickly and decisively, try to negotiate better terms or a lower right. You can negotiate your debt, ask for the negotiated terms to be put into right, and then ask for the debt collection agency not to contact you anymore. This will need to be done by sending a letter but it’s possible. Loanry’s study revealed that many people don’t try to negotiate their debt, but instead try to acquiesce the debt collection agency. If you can, try to negotiate your debt and control the amount of contact the debt collection has with you and the actions they take. Debt collectors may be difficult to deal with but you have rights and options when it comes to effectively dealing with them. Loanry’s study revealed that many consumers don’t use these recommendations but they could get relief from debt collectors if they did.