Step-by-Step Guide: Get Debt Collectors to Stop Calling You

You may be thinking, what should I do if debt collectors keep calling me?

Well, you are not alone. In fact, the United States is in a consumer

debt crisis with Americans owing more than $13.86 trillion!

The total mortgage debt has risen to $9.4 trillion, the auto

industry has risen to $1.48 trillion, and credit card loans

have recently passed the $1 trillion mark.

Follow our easy step-by-step guide to prevent collection

agencies from calling you. Typically, a person will receive

a collection call when he or she owes a debt. Collection

agencies buy past-due debts from creditors and other

business in order to get YOU to repay them. They will

use many aggressive tactics to make you pay them the debt.

The Debt Collection agencies are subject to strict rules:

1. Review the Fair Debt Collection Practices Act ("FDCCPA") which was passed in 1978. Click here to learn more about it FDCCPA.

2. Debt Collectors cannot call you outside the hours of 8:00am - 9:00 p.m (Monday - Saturday; Not Sunday)

3. They cannot call you repeatedly within a short amount of time.

4. They cannot make threats.

5. They cannot claim false debts or false information

6. They cannot lie about their identity

7. They cannot call you if you request them to stop in writing.

Here is what we recommend you do when the Debt Collection Agencies call:

1. Obtain the name of the person who called you.

2. Determine what company they represent.

3. Take note of what time they called.

4. Obtain a mailing address to send the written correspondence.

5. Take note of what they said to you.

6. Take note of any requests that were made.

Do Not Admit That You Owe A Debt

1. Debt agencies will try to get you to admit that you owe a particular debt, but it is in your best interest to avoid confirming that you owe the debt without having proper evidence. By admitting you owe a debt, you may be giving up certain legal rights.

2. These agencies make mistakes, so it is important to determine that the amount of the debt is correct. The only way to confirm that this is correct is through a writing aka a “debt validation letter.” Contact The Debt Defense to determine if your amount is accurate.

3. Most delinquent payments expire and they have to be removed from your credit after 7 years.

Do Not Make Any Payments or Promises to Pay

1. By promising to pay at some point in the future with your personal financial information may have the same effect as admitting to owing a particular debt.

2. The debt validation letter will help you determine whether the debt is accurate.

Do Not Provide Any Personal Information

1. Do not tell collection agencies anything in regards to your personal finances until you receive validation of your debt.

2. However, if you have validated the debt, but you still believe that you do not owe the debt, then contact your debt defense attorney to contest the debt.

3. If the debt is valid, but you cannot afford to repay it, then contact your debt defense attorney to strategize a settlement.

If you believe that a debt collector has been harassing you or trying to scam you into paying a debt, please do not hesitate to contact our office 1(833) 9-LAW-NOW for a free legal consultation. Even if we cannot assist you, we will endeavor our best to provide the right guidance for you, the consumer, to obtain the debt relief you are entitled to.

Know your rights! Do not let collection agencies take advantage of you!

The Debt Defense Team

www.TheDebtDefense.com