Difficulty: Moderately Challenging
Instructions
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Step 1
Step one, if you are experiencing harassment and stress from collection agencies by telephone, inform the collection agency. Explain how your dissatisfaction with their communication tactics and now you are taking action.
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Step 2
Request the collection agency address, then send a certified letter demanding the decease of harassing calls and constant pressure.
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Step 3
Step Three, if collection agencies continue phone contact, seek legal counsel. A law suit may be possible. As a citizen your consumer’s rights are being violated.
Comments
banignorance said
on 6/20/2009 You do realize that by doing this you will end up with many bills either on your credit report, killing your credit score, or you will get yourself sued if the balance of the bill, or bills, are large enough. Protect yourselves, and actually communicate with the collection agency. They're not all evil. Many companies will allow you to pay the balance down if you actually talk to them, especially if you have a situation with money.
Don't be ignorant. Bill collectors are people too. They have their own bills as well, they do understand.
Don't get yourself into a situation, and don't call them with a chip on your shoulder, and don't curse them out, because they do have the right to hang up on you as well.
Use them to get the information you missed which resulted in this bill, and ask them if they can help you resolve it, especially when it's a medical bill. People tends to get into t...
shortye said
on 1/18/2009 Hey Chauncy I am please everyday day i get harass by bill collector I have one bill collector call me and I told him I am not working he said to me that not there problem he goes as far as asking how to I pay the rest of my bill and why cant I borrow the money from someone. Now if I cant pay them how the hell I am going borrow from someone else and be in more debt. I am so frustrated with them calling and threat me saying they are gonna take legal action against me.
CBPope said
on 11/16/2008 Great tips Chauncy. Is it true that you should never pay a collection agency? I heard that because you don't owe them. You owe the original creditor so you should only deal with them.
amylaine said
on 5/25/2008 Great tips.
WriterGig said
on 2/24/2008 The video doesn't load or play.