How can one stop the constant pressure and harassment of debt collectors? Do you have any idea how to approach this? I have been in your shoes, and here is what I have found that works for me. I will give you my top tips to get them to leave you alone, without harassing you or causing any harm.
The first thing that you need to know is that there is a legal way to handle this matter, and an illegal way to handle it. It seems that the debt collectors want to use the unethical ways to intimidate you into going with them to obtain a debt settlement. If you are not familiar with debt settlement, then here is my advice; learn as much as you can about it, and you will be able to use an 11-word phrase to stop collection calls. Click here for more details about 11 word phrase to stop debt collectors
The second thing that they will not want you to know is that they will never inform you that they did not get a written validation from the creditor. They will simply send you a collection action, and hope that you just let it slip out of your hand. The best way to deal with this is to give the collector a written validation, and ask for a written verification from the creditor. This should be done within a reasonable time period. If you receive a call from a collection agency and the caller refuses to give you a written validation, then do not do anything else.
If the collector calls you later on and they ask you why you did not give them a written validation, the answer is simple and it is: because you did not ask for one. If the collector has a valid reason to call you, then you are legally obligated to give them this written validation. If you ignore them and they continue to call you, then you can call the creditor and demand a written verification of the debt. If they refuse, then you can threaten them that you are going to call other debt collectors and the first one they call will give them a letter of default.
Now, it is important to note that this does not mean that you would ever put the first collection agency on notice that you were going to call them. What you are doing is protecting yourself legally. It is also wise to make sure that you completely write down everything that the collector tells you. If you have time, you could also call up the collectors and tell them that you know what the phrase means and you would like them to stop calling you. However, if you are in a hurry, then the best thing that you can do is to make a notation in your cell phone or a sticky note on your desk so that you will always know exactly who you are dealing with.
There are also a few more things that you can do to stop collection calls. If the collectors are calling at all hours of the day and night, then it may be best to make sure that you either cut your phone lines, block the lines, or tell your friends and family not to answer the phone. In fact, if you are receiving a lot of these types of calls, it may even be best for you to consider moving to another location entirely as the collector may follow you around. Of course, there are other options that you have to deal with debt collectors. All it really takes is some creativity and a little bit of common sense to make sure that you are able to stop any more calls from coming into your life.