Six effective ways to handle debt collector harassment
A pressing need to make money and that too quick money often makes people devise unethical plans that assist in earning money
. Third party debt collectors are such people who devise ways and means to make fats money. In the process they resort to methods that are totally unacceptable and end up as law breakers.
If you get calls from debt collectors, it means you are more than six months due on your payment. There may be good collectors who may negotiate the collection in a nice way but there are the aggressive debt collectors who choose all the possible harassment methods. The question is how you should react to these calls?
After a lot of research I have realized that debt collectors are as much in fear of you as you are of them. They choose the scary methods to get the payment out of you. There are certain rules to be followed by you to reduce any kind of unpleasantness due to the debt collectors' calls. I would give six cardinal rules that can help you deal with debt collection harassment.
Rule 1: Do not commit to making a payment even for a very small amount because then you will be held against it. If you make a commitment and there is an agreement between you and debt collector then it should be in writing.
Rule 2: Do not lid to debt collectors though they lie a lot. At some point you might be caught and may be held against for that lie. It is best to speak truth to avoid any future consequences.
Rule 3: Do not get intimidated by the way debt collectors speak with you. Keep calm and don't get bullied by them. You have definite rights under the Fair Debt Collection Practices Act (FDCPA) that protect you from debt collection harassment.
Rule 4: Be extremely practical while committing on an amount of payment. Do not go over board while committing to an amount. Make sure you agree to an amount that you can afford to pay.
Rule 5: If the debt does exist, do not pretend as if the debts do not exist. Debt collectors anyway, will be behind you for payment. But, you should get the debt validated as well as get the original bills.
Rule 6: Do not give any bank details as a commitment of the amount you have to pay. No matter what the collectors say to get the details, do not commit on them because you never know when the money is completely swiped off your account.
Although each situation in debt collection harassment is unique and the way you may be able to handle also is different, an understanding of your rights under the FDCPA as well as a point point plan of dealing them is the best way to come out of the struggle.
Should the harassment not stop and becomes unbearable, you should contact an
FDCPA Attorney who will handle the legal aspects of the case for you.
Six effective ways to handle debt collector harassment
By: Thomas Robinson
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