If you’ve had experience with debt collectors like I’ve had, you don’t have much love for them. Now, I understand that a person has a responsibility to their debts, and that even debt collectors have to eat but you have to realize that these people are not hired guns of the lender who are just ‘doing there job’, but that debt collectors actually purchase the bad debt (at a fraction of the cost) from the lenders so they can pressure you pay up at a profit to them. That’s their game.
They will harass you at home, call your work, I’ve even read reports where some of the horrible ones will call your friends or family to pressure them to pressure you to pay up. Can you believe they can get away with that? If you don’t tell them to stop, they can. But, if you know your rights you can stop them dead in their tracks and only allow them to send letters to your home. If they don’t, take them to court and take their money.
So what do you do when debt collectors are harassing you with phone calls? It all comes down to knowing what to tell them under what situations. Here’s what you do.
If a debt collector is calling you at work directly or calling your employer, tell the debt collector that they may not call you at work because your employer doesn’t allow it. Write down the name of the person you are speaking with, note the time and date, and let them know that the only way they may contact you is by mail. If they call your work again, let the representative know you told them before not to call you work, mention the name of the last person you spoke with and the date, and that if they call your work again you will be speaking with their supervisor and possibly taking legal action.
The same thing goes for stopping debt collectors from constantly calling you at home. Don’t get into an argument with them, don’t go into details about your account; simply tell them they may not call your home and they can only contact you via mail. Get the name of the person you are speaking with (or agent ID), record the time and date and if they call back tell them you gave them notice before that they may not reach you on your home phone and that the only way they can contact you is via mail. Tell them the name of the previous representative that you spoke with and the date and time, and make sure to let them know if they call again you will speak to their supervisor and possibly seek legal action.
One last technique I’d like to note; if you have a lawyer taking care of your credit issues, all you have to tell the debt collector is that you have legal counsel and refer them to them. Those techniques will stop debt collectors from harassing you with phone calls because those are your rights. Just because you owe money does not mean that a debt collection agency, whose sole purpose is to make a profit off of your misfortune, has the right to make your life miserable.