November 18, 2005
4 Ways to Stop Harassing Creditor Calls…NOW!
If you are or ever have been late making those credit card minimum payments then you know how rude creditors can get. If the debts have not been paid for three or more months you can be endlessly bombarded with creditor calls harassing you and threatening you with everything from a lawsuit to wage garnishments. There are even reports of threats against ones life and family’s life.
I have been working in the debt settlement industry for some time now and have consulted thousands of clients in how to relieve themselves of overwhelming debt. One of the major comments I hear is “how do I stop harassing creditor calls?” I have had grown men and women call me up crying; looking for any advice or help they can get to stop these calls.
Is this happening to you?
I really hope not. It has happened to me when I was in debt. Because of their calls I lost my job; my wife and the life that I have known for over fifteen years.
Debt is embarrassing to have if it is overwhelming. People do not like to feel like a failure. If they could pay the debts they would. But banks and collection agencies seem to rejoice in kicking us when we are down. Maybe they feel they’ll get more money that way.
When it comes right down to it – the banks only want money and they don’t care about us.
Is it any wonder that Credit Cards are the number industry complained about with the FTC and BBB?
So how can we stop these creditors from calling us night and day so that we can actually not have the stress and be able to think straight so that we can get the money to pay the debts back?
The Simple Methods
Cease and Desist letter. Per the Fair Debt Collection Practices Act you have the right to not have creditors call you. You simply write what is called a “Cease and Desist” letter and send it your creditor(s) giving you trouble.
There are drawbacks with this however. If you send out one of these letters to your creditors, it usually only serves to annoy them. When a creditor receives one of these letters they frequently just turn this over to a lawyer to start legal proceedings against you. It does shut them up, but it can blast back on you so be careful and only use this method when the creditors are being especially nasty.
Change your phone number. Creditors number one pet peeve is that they cannot find you. If they cannot find you then they have to go through a lot of extra expense in locating you. They call this “skip tracing” and a lot of money is spent by creditors and collection agencies every year on this. Their programs are elaborate and effective.
Many people may feel this is a bit unethical. I kind of agree with them. It is a bit underhanded. You have the debt and now you are skipping out on them without paying the debt is the idea the creditors get. This method is very frustrating for them when it occurs, but very effective.
I don’t necessarily recommend this option. I only mention it because it is an option.
Get a privacy manger installed on your phone. Unlike changing your number, I am very in favor of this method. You will need to have Caller ID already on your phone line to make this work.
Basically, you call up your phone service provider and ask them to connect you up to a privacy manger (or privacy guard as it is sometimes called). This system will basically block out all unwanted phone calls.
Most creditors and collections agencies use a computer to dial up your number, well, privacy manager won’t even allow these calls get to you. The only way that a call can get to you is if a real live person calls and jumps through the hoops that this system has in place. With some managers, computer generated calls are fooled into thinking that that number has been disconnected which it is then dropped from the callers list. And some even put the number on the national “Do Not Call” list for telemarketers. This is very handy indeed.
Get a Telezapper. This is a simple device that you can buy at Wal-Mart or RadioShak or stores like that. It costs about $30-$40 and is just attached to your phone. There is no monthly fees like there is with the privacy manager so it is cost effective.
Just attach it to your phone and watch is zap all those unwanted computer generated calls. Badda Bing, Badda Boom.
So, there you go. Four simple ways to stop harassing creditor calls right now. Of course don’t use these methods to cheat or sneak your way out of your obligations, but there is no reason you need to have to put yourself through unneeded stress either.
I hope that this helped you in some way. If you would like a free consultation then please give me a call at 323-953-0704 or write to me sponduliqs@yahoo.com. I also offer one-on-one consultation for eliminating your debts through settlement. Maybe I’ll hear from you.
I have been working in the debt settlement industry for some time now and have consulted thousands of clients in how to relieve themselves of overwhelming debt. One of the major comments I hear is “how do I stop harassing creditor calls?” I have had grown men and women call me up crying; looking for any advice or help they can get to stop these calls.
Is this happening to you?
I really hope not. It has happened to me when I was in debt. Because of their calls I lost my job; my wife and the life that I have known for over fifteen years.
Debt is embarrassing to have if it is overwhelming. People do not like to feel like a failure. If they could pay the debts they would. But banks and collection agencies seem to rejoice in kicking us when we are down. Maybe they feel they’ll get more money that way.
When it comes right down to it – the banks only want money and they don’t care about us.
Is it any wonder that Credit Cards are the number industry complained about with the FTC and BBB?
So how can we stop these creditors from calling us night and day so that we can actually not have the stress and be able to think straight so that we can get the money to pay the debts back?
The Simple Methods
Cease and Desist letter. Per the Fair Debt Collection Practices Act you have the right to not have creditors call you. You simply write what is called a “Cease and Desist” letter and send it your creditor(s) giving you trouble.
There are drawbacks with this however. If you send out one of these letters to your creditors, it usually only serves to annoy them. When a creditor receives one of these letters they frequently just turn this over to a lawyer to start legal proceedings against you. It does shut them up, but it can blast back on you so be careful and only use this method when the creditors are being especially nasty.
Change your phone number. Creditors number one pet peeve is that they cannot find you. If they cannot find you then they have to go through a lot of extra expense in locating you. They call this “skip tracing” and a lot of money is spent by creditors and collection agencies every year on this. Their programs are elaborate and effective.
Many people may feel this is a bit unethical. I kind of agree with them. It is a bit underhanded. You have the debt and now you are skipping out on them without paying the debt is the idea the creditors get. This method is very frustrating for them when it occurs, but very effective.
I don’t necessarily recommend this option. I only mention it because it is an option.
Get a privacy manger installed on your phone. Unlike changing your number, I am very in favor of this method. You will need to have Caller ID already on your phone line to make this work.
Basically, you call up your phone service provider and ask them to connect you up to a privacy manger (or privacy guard as it is sometimes called). This system will basically block out all unwanted phone calls.
Most creditors and collections agencies use a computer to dial up your number, well, privacy manager won’t even allow these calls get to you. The only way that a call can get to you is if a real live person calls and jumps through the hoops that this system has in place. With some managers, computer generated calls are fooled into thinking that that number has been disconnected which it is then dropped from the callers list. And some even put the number on the national “Do Not Call” list for telemarketers. This is very handy indeed.
Get a Telezapper. This is a simple device that you can buy at Wal-Mart or RadioShak or stores like that. It costs about $30-$40 and is just attached to your phone. There is no monthly fees like there is with the privacy manager so it is cost effective.
Just attach it to your phone and watch is zap all those unwanted computer generated calls. Badda Bing, Badda Boom.
So, there you go. Four simple ways to stop harassing creditor calls right now. Of course don’t use these methods to cheat or sneak your way out of your obligations, but there is no reason you need to have to put yourself through unneeded stress either.
I hope that this helped you in some way. If you would like a free consultation then please give me a call at 323-953-0704 or write to me sponduliqs@yahoo.com. I also offer one-on-one consultation for eliminating your debts through settlement. Maybe I’ll hear from you.
# posted by Sponduliqs @ 1:42 PM 
Subscribe to Posts [Atom]