Don’t Be Harassed – Here is How To Stop Collection Calls
Most Americans run into debts, thanks to the credit card culture of spending first and paying later. This is always followed by coming up with ways to stop collection calls. The most disturbing disadvantage of debt is the numerous hounding calls that you get from the creditors.
Are you among the many struggling keep their credit card payments up to date? Being late with your credit card payments usually mean collection calls. Trying to stop collection calls is always impossible, especially if you owe money. The creditors will certainly call you all day and night, week after another, day after day with the aim of draining every coin from your account by quilting you. This is the time when your preferred ringtone becomes the most irritating sound on the surface of the earth. The creditors, their employees or the debt collection agencies and their employees are brutal and manipulative; they do not care about current financial situation.
While technology has improved communication, it can be used to embarrass people with unpaid bills. Creditors will not rest until you pay them, or until you make them leave you alone. Yes, you can, FDCPA says it is your right to demand that they not communicate with you at all. Thanks to the Fair Debt Collection Practice Act laws that prevents them from calling you on Sunday and during nights or early in the morning. Otherwise, they would hound you from here to the end of the world! Stopping collection calls is paramount, very important.
How to stop collection calls permanently
Stopping call collection can be distressing. Although there are options, coming up with a solution can be more overwhelming. You may decide to clear the money, but chances are you are penniless.
One of the first things to think of is to avoid debt collection calls is keeping your cell phone on silent mode or failing to receive calls. Another thing to stop these calls at inappropriate time is telling the collection agents to call you at another time. However, these are just temporary solutions that leave you with an awful sensation.
To stop collection calls, you may need to do much more than that. So, how do you stop harassing collection calls forever? There is an ideal option- using third party companies or a lawyer. Because they are nonprofit organizations, they will effectively work with debt settlement entities. Their mandate allows them to write off tax on your debt. All your credit card debts will be consolidated into one lump amount. Besides, these organizations will communicate with your creditors on your behalf hence no collection calls will be coming your way.
How to stop collection calls legally
1. Addressing the issue at hand
The first step to stop harassing collection calls is addressing the issue before it becomes problematic. Paying may be the perfect solution, but it is not always simple. Consequently, don’t ignore your current situation and hope things will be better. Call your creditors, explain what you are going through, and say when you expect to pay. Be honest; being forthright, open and reasonable minimizes the numbers of collection calls that you could have got.
2. Writing a cease communication letter
If this fails and the debt turns over to debt collectors, write a cease communication letter requesting the debt collection agency to halt collection calls. Debt collectors should stop contacting you once they receive this letter under Fair Debt Collection Practices Act. Don’t become a victim of fear by failing to highlight any crime committed by your creditors or their employees. Keep a copy of the same document and send another to Federal Trade Commission.
Debt collectors may contact you once or twice to concede receipt of the application and the next step that they will take, may be case closure or suing you. However, it is important noting the FDCPA applies only to debt collection lawyers and agencies.
Use a stop creditor harassment attorney
If all the above fails to stop collection calls, maybe a letter from a lawyer will. Once you have a lawyer, the collection agency or the creditor’s counsel should communicate directly with your lawyer. Another significance of hiring is an attorney is assisting you to raise legal affirmations under the law.
Who said filing for bankruptcy can’t stop collection calls?
Filing for bankruptcy is another way of stopping collection calls. You will be protected from the harassment of the debt collection calls once you file for bankruptcy. Your debt collector must get permission from the court before proceeding with the collection activities. Normally, the court will not grant permission to agencies seeking resolve unsecured debts like credit card debts.
While filing for bankruptcy may stop creditors from harassing you efficiently, you should not go for it blindly. Impoverishment should be filed only when dealing with disastrous financial glitches; bankruptcy can last on your credit report for seven to nine years. Harassment should never be a root cause for filing for bankruptcy.
In conclusion, they say communication is an essential ingredient in any relationship. You need to call your creditors. Don’t wait until you are ninety days late on clearing your bills. Securing your financial future early has been recommended by debt collection lawyers as the ultimate solution to stop collection calls. Be wise.