How To Stop Debt Collectors Harassment

A normal person would definitely want to stop debt collectors from calling if the collection agencies are constantly contacting him or her, asking for payments. In fact, the non-stop attention that is given from debt collectors is one thing that is rough and stressful for you to deal with, especially if you find it difficult to pay your bills.

You might not know it now, but debt collection agencies are ruthless and will hassle a person unto the death of them, trying to get information about payments and so much more. If you want to stop their phone calls, you need to make sure to look at the following 4 major options.

Talk to Someone

The first tip is to simply talk to someone. Make sure you move forward and take the first step to talking to a collection agent. Don’t let them bully you, just simply and calmly arrange a payment plan that fits your needs.

You need to know that you can make arrangements that can help your overall plan to get out of debt and most importantly stop receiving phone calls from predatory agents.

Change Phone Number

Changing your phone number is one sure-fire way to stop debt collectors. They can’t talk to you if they don’t have your current phone number so a good and swift change is fantastic.

They might be able to find you again, but for a short amount of time,  you’ll be able to understand that phone calls will stop. In the interim, make sure that you find a way to pay your bills and when you set up contact on your terms, you call the shots and help get payments paid.

Write a Stop Debt Collection Letter

Most agencies will stop hassling you in the same capacity that they are stuck in, by simply writing a cease & desist letter. These letters need to be stern and to the point, and they need to be clearly written. Make sure that the letter goes to the right department, so move forward and watch the calls dissipate.

File Bankruptcy

This is one of the most drastic of options, but it is one that is guaranteed to work. You won’t go wrong here, but you’ll have to battle an uphill world that is not easy. Your case is going to be severely tough to move forward with and it will not be an easy one. Hire a bankruptcy lawyer, or go at it alone, just make sure that you know this is not something to take lightly.

With the tips you can stop debt collectors’ harassment through their constant contact. Phone calls can get quite annoying, and stopping them might seem very hard, but it’s not that difficult if you know the right steps. The 4 options can help you in the long-term as well as the short-term.

Just remember, you have to act on these and make sure they stick, or else you’ll end up with even more hassling. You can stop debt collectors from calling, the endless parade of contact and get back to your normal life; it is just a matter of getting to the point and either paying them or ditching them for a short amount of time.

How To Stop Debt Collectors Harassment was last modified: April 11th, 2014 by Paul Sarwana
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