In today’s economy it’s pretty easy to get behind in your bills. And when that happens you might have to deal with debt collectors. Even though we have to take care of our bills, we do not have to be subjected to a lot of the downright disgusting tactics that some debt collection agencies resort to. It’s possible to stop debt collectors in their tracks and beat debt collectors at their own game.
Even though many legitimate debt collection agencies are respectful of their clients, too many of them resort to intimidation, threats, and debt collector harassment. They pester you. They never leave you alone. And some of the things they do are so sleazy and downright sneaky that they can make a grown man cry.
However, even though things look pretty bleak right now, you can turn the tables on them and fight back.
Here are some of the things you could do.
The most important thing to remember is that you do not have to put up with being harassed.
You can tell them that they will have to communicate to you in writing. This will give you their name, address and phone number.
When you get that information research the company. See if they are a legitimate agency. If they aren’t legitimate and they’re taking illegal actions you can certainly stop debt collectors and report them.
It’s also important to get this information because then you will have things in writing should you end up going to court.
One of the worst things you can do is give them any of your personal financial information over the phone. If they begin pressuring you and start demanding that information, just tell them to put their requests in writing and send it to you.
If they keep on trying to pressure you just hang up.
Then, if you have a cell phone, you might want to add that phone number to your reject list. Why would you want to talk to such jerks?
And what’s even more of a problem is that they can be a lot worse than just being jerks. They might be downright thieves who got ahold of your account info and phone number. It could be a slimy debt collection agency that will take money out of your account with or without your authorization if you give them the information they are telling you to give them.
Once again, never give out any personal information to debt collection agencies over the phone.