Some Tips On Stopping Debt Collectors
Posted on September 18, 2009 at 4:23 am
Stopping debt collectors from harassing you.
First, know that your rights cover all personal debts: credit cards, personal loans from a banks or lending institutions, mortgages, as well as car loans. But those that you owe to private individuals are not covered.
-be aware of the terms and conditions of the contract
-know that, 5 days after the debt collector contacts you, his agency should send you a written version of what he's told you (amount of debt you owe, creditors info, what you can do to have that debt verified)
-if the debt is not verified, forget that you owe it
Posted on September 18, 2009 at 4:28 am
Stopping debt collectors with the following knowledge:
Debt collectors can't contact you at all times. They cannot call you before eight in the morning or after nine in the evening. Unless you have given them consent.
They may not call you at work especially if you told them not to.
Posted on September 18, 2009 at 4:33 am
Stopping debt collectors just by telling them to stop contacting you.
Although that will not make your debt go away. The creditor or collector, at this point, may take a more aggressive action against you if you don't address the problem accordingly.
Posted on September 18, 2009 at 4:35 am
Stopping debt collectors (from contacting you or from suing) via enrollment in a debt relief program, like debt settlement or credit counseling.
You would have rights regarding third party contacts. The debt settlement company can send them a letter or if you have an attorney, the debt collector may only contact them rather than you.
Posted on September 18, 2009 at 4:38 am
Stopping debt collectors from contacting your friends and relatives and from disclosing the facts about your debts via reading http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm
Posted on September 18, 2009 at 4:39 am
How about stopping debt collectors from suing you?
Posted on September 18, 2009 at 4:41 am
You have to respond to their warnings accordingly..
But if youve already been sued.. respond to the lawsuit, either personally or through your attorney.
Posted on September 18, 2009 at 4:45 am
Stopping debt collectors by disputing any claims you feel are not accurate (via reviewing your credit report) and taking action against threats (contact the FTC).
Posted on September 18, 2009 at 4:47 am
Just to add to mooi, the consumer may report any problems a debt collector to their state Attorney General’s office (
www.naag.org) and the Federal Trade Commission (
www.ftc.gov).
*
Know your state's debt collection laws because some of them are different from the federal Fair Debt Collection Practices Act.
Posted on September 18, 2009 at 4:51 am
Nobody has mentioned stopping debt collectors via the SoL yet? If your debt is already 6 years old, you don't have the legal obligation to pay it anymore, but if you make the mistake of admitting to it..the clock on your debt might start to run again, so be sure to know your state's SoL.
Statute of Limitations per state
http://www.fair-debt-collection.com/SOL-by-State.html
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