BEING HARASSED BY DEBT COLLECTORS? COLLECTION AGENCIES CALLING YOUR HOUSE, WORK, FRIENDS, AND FAMILY? - YOU HAVE THE POWER TO MAKE THEM STOP OR RISK BEING SUED!
You have the right to make any debt collector or collection agency stop calling you house, work, family, and friends.
BUT.....You must use the method below!
STEP 1) Get the Debt collectors physical mailing address
STEP 2) DO NOT promise to pay them ANYTHING or admit you owe anyone or anything!
STEP 3) Write a letter stating the following EXACTLY: "I ask that all future communication between us be strictly limited to the U.S. mail. I consider phone calls to my personal residence, work, family, and friends to be harassment and violates not only my privacy, but my work's policies and procedures".
STEP 4) When trying to get debt collectors and collection agencies to quit calling and harassing you it is of the up-most IMPORTANCE to do the following:
a) copy the letter - this prevents collection agencies from altering the letter or stating that you never asked them to stop calling.
b) sign and date the letter to the collection company - this will prove the date of the request and can be used in court in conjunction with the signed green card from sending the letter to the collector or collection agency.
c) send the letter "certified registered mail with return receipt". - sending your request certified mail with return receipt empowers you by giving you proof they received the request, and exactly what day you made the request!
WHY ARE FOLLOWING THESE STEPS SO IMPORTANT?
1) Without giving debt collectors a way to contact you, there are situations where they are forced to sue you on legal technicalities (please not this does not apply on debts OUTSIDE of your individual State's statute of limitations if you owe the debt).
2) The most important goal to accomplish is providing a paper trail of your LEGAL RIGHT, and your desire to invoke your legal right of not being harassed into paying a bill collector or collection agency, EVEN IF YOU OWE THE DEBT.
3) Establishing the date the letter was delivered allows you to SUE THEM in a court of law for harassment if they do not comply with your request, and entitles you to a CASH AWARD (often times greater than the debt "they" claim you owe!)
4) By catching them breaking the rules, simply by invoking your RIGHTS, you gain leverage in dealing with hostile and non-law abiding debt collection agencies harassing you into payment.
Always remember, NEVER PAY A COLLECTION AGENCY that is unlawfully harassing you! THEY are the ones acting immoral and negligent, NOT YOU!
Thanks for your time, and remember to hit a social button if this blog has helped you in the slightest. Next, I will explain the FIRST thing one should do when attempting to fix their credit score and reports. The answer WILL SURPRISE YOU, because it goes against human nature!
------------------------------------- TheCreditWizard
how do I fix my credit report for free?
how do I get a higher credit score?
Stay tuned and TheCreditWizard will help you get there one step at a time!
You have the right to make any debt collector or collection agency stop calling you house, work, family, and friends.
BUT.....You must use the method below!
STEP 1) Get the Debt collectors physical mailing address
STEP 2) DO NOT promise to pay them ANYTHING or admit you owe anyone or anything!
STEP 3) Write a letter stating the following EXACTLY: "I ask that all future communication between us be strictly limited to the U.S. mail. I consider phone calls to my personal residence, work, family, and friends to be harassment and violates not only my privacy, but my work's policies and procedures".
 |
| annoying and embarrassing telephone calls from collection agencies are against the law when you tell them to stop |
STEP 4) When trying to get debt collectors and collection agencies to quit calling and harassing you it is of the up-most IMPORTANCE to do the following:
a) copy the letter - this prevents collection agencies from altering the letter or stating that you never asked them to stop calling.
b) sign and date the letter to the collection company - this will prove the date of the request and can be used in court in conjunction with the signed green card from sending the letter to the collector or collection agency.
c) send the letter "certified registered mail with return receipt". - sending your request certified mail with return receipt empowers you by giving you proof they received the request, and exactly what day you made the request!
WHY ARE FOLLOWING THESE STEPS SO IMPORTANT?
1) Without giving debt collectors a way to contact you, there are situations where they are forced to sue you on legal technicalities (please not this does not apply on debts OUTSIDE of your individual State's statute of limitations if you owe the debt).
2) The most important goal to accomplish is providing a paper trail of your LEGAL RIGHT, and your desire to invoke your legal right of not being harassed into paying a bill collector or collection agency, EVEN IF YOU OWE THE DEBT.
3) Establishing the date the letter was delivered allows you to SUE THEM in a court of law for harassment if they do not comply with your request, and entitles you to a CASH AWARD (often times greater than the debt "they" claim you owe!)
4) By catching them breaking the rules, simply by invoking your RIGHTS, you gain leverage in dealing with hostile and non-law abiding debt collection agencies harassing you into payment.
Always remember, NEVER PAY A COLLECTION AGENCY that is unlawfully harassing you! THEY are the ones acting immoral and negligent, NOT YOU!
Thanks for your time, and remember to hit a social button if this blog has helped you in the slightest. Next, I will explain the FIRST thing one should do when attempting to fix their credit score and reports. The answer WILL SURPRISE YOU, because it goes against human nature!
------------------------------------- TheCreditWizard
how do I fix my credit report for free?
how do I get a higher credit score?
Stay tuned and TheCreditWizard will help you get there one step at a time!
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