Your home phone, or cell phone, is one the debt collector’s most powerful weapons. Repeated and constant calling is one of the biggest complaints about debt collectors, but most people don’t realize that repeated calls are illegal!
STOP THE NAGGING COLLECTION CALLS by sending a simple, written letter to the collector asking the collector to stop contacting you. If the debt collector ignores your letter and keeps calling, you might be able to sue and collect statutory damages. Generally, if a debt collector is found to have violated the law, by ignoring a request to cease collection calls, an individual can be awarded $1,000, plus legal fees! So, there are easy and effective ways to put an end to repeated calls. Ending the calls, however, doesn’t erase the debt for good, but it at least gives you peace of mind and some room to breathe.
If you want help with writing the letter to the debt collector, call us . . . we’ll help with the wording or even write the letter for you . . . for FREE!
Also, don’t feel pressured to agree to any payment plans or settlement agreements when the debt collector, or a lawyer representing the debt collector, calls you. Many debt collectors buy accounts that aren’t collectible because they are beyond the statute of limitations. They will try to trick you into making a small payment, which will restart the statute and give them the right to sue you to collect. Again, if you want help with how to respond to a debt collector, call us . . . we’ll help with what to say . . . FREE!