Is It Legal To Avoid Bill Collectors – Inquiring Minds Want to Know? – In this context, to avoid means: to keep away from; keep clear of; shun: to avoid a person and/or company. The reason to avoid bill collectors is to avoid the harassing phone calls, dunning collection letters and other tactics they use to make your life miserable. This session IS NOT about shrugging your obligations; it is about regaining your peace of mind and peace at home. Nothing is worse than being filled with anxiety in your own home no thanks to bill collectors.
The question was asked, “Is it legal to avoid bill collectors?” The answer is, “Yes!” Why wouldn’t it be? Can a person get into trouble for avoiding bill collectors? The answer is NO! They ARE NOT a government entity and they have NO Federal, State or Local powers. There are two things debt collections companies can do. (a) They can put negative glitches on your credit reports, but those are EASILY removed. (b) They can sue you. However, the chances of them suing you are slim. But if they do, you can fight back and make it way too costly for them to proceed.
The objective here is to avoid bill collectors, not avoid paying your bills. You are not bound by law to deal with or interact with any bill collector.
Top 7 Reasons To Avoid Bill Collectors
1. You can’t stand to be harassed by bill collectors
2. They are causing you anxiety
3. They’ve turned your normally peaceful abode into a house filled with worry
4. You’ve decided to solve your debt problem without their help
5. You simply don’t have the money and won’t have it in the foreseeable future
6. Their badgering has caused a rift in marriage
7. They’ve caused you or your spouse sleepless nights
To Avoid Bill Collectors Take Any of These Steps
(a). Send an Official Cease and Desist Letter to the creditor at the very the first contact.
(b). Use an answering machine to screen all of your calls. All most all debt collectors use automated dialing software these days. Once the software detects an answering machine it hangs up.
(c). Change your home phone to a unlisted number and do not give the new number to any business or put it on any type of application; only provide your new number to family and friends
(d). Get a Post Office Box from the United States Post Office and permanently forward all of your mail to your new address. Notify all of your utility companies of your mailing address.
(e). If you don’t need a regular home number, cancel that service and switch to a cellular phone. If you need a regular home number, just turn your ringer off and let them keep calling.
(f). Do not respond to or sign for any registered, signature confirmation or certified mail
(g). Don’t apply for anything that will prompt a credit check
(h). This moment forward, pay all of your bills on time.
As you take these steps, bill collectors will be unable to reach you. The most important thing to remember is this: get your debt problem in check; that way debt collectors will have no reason to attempt to contact you.