Doug (Guest) - Great article. Telula68: I feel for ya. That does stink, and I am having enough challenges paying bills  (including student loans ) and supporting my wife without being disabled,  so I could only imagine what it would be like in your shoes.

Obviously Daniel is either a debt collector himself, has never experienced unemployment, or is simply extremely limited in his capacity to empathize and sympathize with people less fortunate than himself (likely all 3.) Throwing out broad brush judgments as he is, and targeting a large percentage of the U.S. population which is struggling financially at the present moment, is just plain out of line and baseless. e.g. I worked my AS* off for 15+ years, started a business, was doing great...and then the economy tanked. Now, I have to contend with lawsuits and debt collectors myself, something at one point I thought I would never have to worry about.

So Daniel, if you had the brass balls to make the same statement you did below,  to my face, personally, 1) you'd be wrong and 2) I'd knock you out, plain and simple. So you may want to check yourself before you go posting b.s. about people you don't know. Besides, this forum is for people that are already making an effort to eliminate their debt - "losers" that are "looking for excuses" don't have the self-discipline to educate themselves at a forum like this, and therefore wouldn't be here in the first place.

Guys, anyone needing systematic plan to put a stop to debt collector harassment, AND a Cease and Desist letter to send out to harassing debt collectors, you can get one for FR*EE over at this site: StopDebtCollectors.org

I've read it, and theres a lot of good info there. Organizes everything into a daily/weekly action plan. Best of luck Telula68 and everyone else.

telula68 - You know what really stinks? When I already feel like crap about the fact that I am disabled and can't live up to my responsibilities of paying my huge out of control student loan bill. I know I am a low life in many people's eyes. I did'nt ask to be disabled so when someone wants to lumps everyone into the same ball for not paying and calls them losers and wastes of space think twice....we are NOT all in the same boat.  Living on SSDI is very hard! I had to find part time work to pay for neccessities. I have no luxuries. Do some research before you belittle people!!!All the programs for repayment are tricks and disability discharge is not available if you can make even one penny.You can't have any job at all yet IF you get the discharge you can THEN get a job. Makes no sense!

Daniel (Guest) - Hey here's an idea, instead of mailing a cease and desist letter, why don't you take care of whatever matter the colletors calling about in the first place. I think anyone who finds this article useful is garbage. Get a life pay your bills, stop looking for excuses. You are one of the primary reasons for the economy going to crap. We all have to pay our bills and do our part to stimulate the economy. Anyone who looks for excuses not to pay there bills is a waist of space in this country get a life you losers!

- well it's about America i guess...I'm not sure if we have the same rule in India too...thnks for your valuable sharing

anne_20002002 - nice info.

- Thanks for sharing this info. Great article. Keep it up.

- IT IS GOO

 

- GOOD ADVISE......... I SURELY UTILISE IT..............

 

- great tips and info.thanks for sharing.

Purnendu - good one...

kongpeng - Has the help very much to me

oxygen02 - Great post!

oxygen02 - You have great article.

- too good

- great articles...like it.

- I dont think we can stop call.:D

- very good article...........thanks...........

jdmanuel - yes, is hard to avoid phone calls. anyway thanks for sharing! i know it will help every one here to avoid over usage of phone for call

tekie.tony - its very true what you have said .. and good information too .. thanks  a lot
but they keep pestering you with fone calls

aida0205 - i have a great ideas and information from u

- very well written..but trust me ..it is very hard to avoid these phone calls

rizzy - It would also be helpful to ask the collector to make a note on the times when can they call you and when they cannot.

vivianchen - I have to say this place is great!

oreocookie3 - This is a great lesson to teach us what debt collectors can and cannot do, and that we do have legal recourse. I didn't know we could tape a conversation from a bill collector. I have been harassed before, and it would have been good if I could have recorded this man threatening me with jail and a law suit.

schoolboy - Great article!

- a good article thanks

danielz07 - Thank you for sharing this information..

- I like this idea posted very much.

serendipity - Nice review, good post!

serendipity - Great article. Thanks.

froggpond - Hehe..thanks

- We don't like when Debt Collect call us....hehehe.
your articles...hmm..good idea.

schoolboy - I like this post content. Thank you!

schoolboy - Very useful and informative post. Thanks.

- good toppics

ruel_ortilla - such a helpful blog.....a very very good and wide informations.....

 

 

- NICE BLOG THIS

- good review........ very helpful. thank's

- They are most definitely not allowed to harass people. Thank you for the information. Didn't know that.

schoolboy - good info! thanks

sl4sh3r - Thank you for a good information.

- I dont agree with you. I can stop phone call. it's bother me!

Anyway, thank you a lot for sharing!

shinkai03 - Very good idea! Thanks for posting.

akhil4u6 - asking them to call before 8am and after 9 pm is a really good idea which they never gonna do in their life time...

- I remember long time ago a credit card collector keep on calling my Mum for almost every 2 hours. and asking her to pay that day. My told them there is no time and it will be the next day. I don't know if the credit collector did'nt write it down on their record. So at 7 pm at night a credit card collector called up again.and unluckily for her it was me who picked up the phone. so she was telling me if my mum would pay that day.

I reminded her  that my mum already give instruction that morning and at the same time time even if it my mum wanted it there is no bank open at 7pm at night. i was so pissed so i raised my voice to let her know what time is it. I told her even if we want can she gave us one bank that is open at that time. she is tounge tied and apologize.

vivianchen - I doubt if that's useful or not. If they keep calling you, anything you can do the avoid? I will just keep my phone in silence and ingore them.

- oh its good,

- -:¦:--:¦:--:¦:- Good review.thank you for your comment.Thanks-:¦:--:¦:--:¦:-

niitesh - i am really fortunate that i haven't gone through any of it so far but its a great article and read every word of it just in case i have the face the situation in near future.

beautyqueen26 - Paying off the debt in a timely fashion is the best solution all around.  But it's good to know that these phone calls can be stopped and people don't have to listen.  As long as you're trying to pay off the debt and have communicated that intention to the credit card company, why should they call you with further comments.  It's not like you will be able to afford to pay more after each phone call!

- I am fortunate that I haven't missed paying my credit card on time and I haven't experienced being called by a collector.

sophie_dfuss - I am happy that the collector stopped harassing me

Cfrance - Some times even when your paying the debt they still call saying your not doing enough. Thanks for the tips on handling them

- What finally worked for me was calling someone senior at the debt management company. I was so vulnerable that I remember crying over the phone. I later sent a letter asking them to refrain from hounding me with calls, saying that I was working at clearing my debts. The calls immediately stopped and they sent me a reply giving me an extra period of 45 days. I dont know what happend behind the scenes, but it worked and gave me breathing time

Katia - Collections agents can certainly be rude and aggressive- but their job depends on it. If you are friendly with them, and notify them of your financial status, you can usually work it out to where the collector that personally handles your account only contacts you once or twice a month, and you will know the call is coming.

The only way to get REAL peace of mind though, is to pay your debts and do whatever you can to stop accruing more!

beautyqueen26 - Excellent ideas! I wish that I'd had this strategy years ago. I got a harrassing phone call while my daughter was in the hospital.

- I have been told the best way to not be subjected to rude treatment by collectors when they call is simply say, I want you to know this call is being recorded is that all right with you?  Today's date is bla bla and it is whatever time, and you are calling me from whatever company and your name is.  That usually either makes them get flustered and hang up or they  suddenly become very professional and are very careful how they speak to you.

Ruth Ann (Guest) - What is LAPD certification?  Should it be "mandatory" in my consideration of a credit or debt solution company?

johngliha - The "cease and desist" notices only increase your chances of being sued.  Don't use this just because there is a statute that says you can.  What I use to stop all unwanted phone calls, even from creditors, is the state's criminal legislation for harassing and threatening phone calls.  This is a class 1 misdemeanor in all states and when you put the callers on written notice, you include the statement of "you have the right to remain silent..." and make a record of that.  If the calls continue, and they usually don't, now you can get your state attorney general's office to take action because you have a documented criminal act.  I've been using this strategy for years.

tbates - As our nation's banks sell off millions of dollars in debt each quarter, the technology used by collectors has had to increase to keep up with the times. One should focus their unique problem on two things; what can they do to bring resolve and what can the collector do to bring resolve. In most cases the collector will lead you to believe they can work magic and do all kinds of ugly things. Remember the collectors biggest strength is your weakness. Get the facts, or fall prey to their lies.

First , never share banking or personal asset information with the collector. You have no idea who your talking to. In most cases the collection agency will not run a background check on the collector, thus opening a potential ring of criminal activity with your personal information. When allowing them access to your bank they can and often will drain your account to pay a debt that may not be owed, or to gain information for a law suit to be filed. So, unless they have a court order, we recommend not offering or providing "any" information. Your in enough trouble as it is.

In an attempt to control you and your finances, you will note: the first thing they do when calling is to verify all your "personal" information. This is not to protect your privacy, but to remind you they know "personal things about you", and they will use this against you down the road. Your address to call family and neighbors, or to call landlords and friends. These folks have your credit file, payment history, and in most cases enough information to create a new person with your information.

Given the advances in technology, and collector training, one should first look to their personal finances. If they can pay off the debts they should do that as quickly as possible. But paying the original creditor is wise. Retain proof of payment via money order or cashiers check. Never use your personal bank account. Again, technology! This information can and has been known to be reused for paying other debtors bills.

Collectors are not all bad, but most all have one thing in common. Money. They are paid based on what they collect. In most cases, the better the collector, the better the file they will be on. The biggest mistake a consumer can make is to trust the collector or "used car salesman" demand.

If you have been contacted be either your bank,credit card company or collector you need to STOP, and find out what you can do, and what they can do. Do not trust a word they say and call an IAPDA Certified Debt Arbitrator.

Debt settlement is risky, but doing nothing is even worse. The difference in success and debt settlement failure is the real interest of the Debt settlement company and the clients ability to be patient,save money and trust the relationship of their IAPDA Certified Debt Arbitrator.

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