Getting an unexpected phone call from your debt collector is always an awful experience. No matter what your condition is, sooner or later you might have to deal with a collection agency. As a creditor, when you do not receive pending money from your debtor for a longer period of time, you’ll definitely look for another affiliate company to collect that overdue amount. At the moment, collection companies are at the bottom of the barrel when it comes to managing businesses as all they think about is, ‘HARD-CASH’.
However, there are some simple and effective measures that you can take to stop the harassment that you’re facing from your debt collectors, which include:
- Make yourself familiar with the rights – No matter whatever the problem is, nobody can harass you or make you feel threatened. Moreover, these companies have many restrictions, which include use of abusive language, nuisance phone calls, misrepresenting the amount of your debt, unnecessary threats, and more.
- Not to get emotional – it’s better to be straight forward with your collector and try not to ignore their phone-calls, mails, messages, or letters as this would definitely turn the tables in their favor.
- Find a suitable lawyer – you must find an attorney who specializes in consumer law to represent you in court. Also, you must avoid giving your bank accounts and routing numbers to your debt collectors as by doing this you’ll be allowing them to make direct withdrawals from your accounts.
- Keep track of phone calls & messages – create a document and note down all the important stuff related to the collector. This actually acts as a proof of settlement or resolution of debts.