Credit Report Repair Guide

If you’ve gotten really behind in your bills you might be dealing with debt collectors calling. 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.  You can beat debt collectors at their own game and stop debt collectors in their tracks.

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 their tactics are so sneaky and sleazy they can bring you to tears.

However, you can turn the tables on them.   You can fight back.

Here are a couple of things you might want to consider doing.

The number one thing is that there is no need to put up with harassment.

You can tel them that they must communicate with you in writing. This will give you their name, address and phone number.

You can use that information to research their company.  You want to see if they are a legitimate debt collection agency. If they are not you can report them – you can certainly stop debt collectors if they are taking illegal actions.

It’s also important to get this information because then you will have things in writing should you end up going to court.

The most important thing is not to give them any of your personal financial information over the phone.  If they start to pressure you and demand the information tell them to put their request in writing and send it to you.

And if they don’t stop pressuring you just hang up on them.

Now, if you use a cellular phone, why not add their 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 could be outright thieves who have gotten hold of your phone number and account information.  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.

It bears repeating: never give out personal information to debt collecors over the phone.

written by Credit Repair Guru \\ tags: debt collectors calling, stop debt collectors

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.

written by Credit Repair Guru \\ tags: debt collectors calling, stop debt collectors