Dear Dave,
I’ve been talking to my creditors because I want to pay back my debts as soon as possible. When dealing with them, I noticed that sometimes they are reasonable and understandable, while other times they are rushing, even mean. Do you have any suggestions when you try to make modifications and correct past economic errors?
Olivia
Dear Olivia,
Let’s start with some basics. When dealing with debt collectors, keep track of all calls and emails between you and reach 100% of the speed at all accounts. There are all payment records and dates of proceedings for you. Know What You owe it World Health Organization You owe it How many You owe them.
If the collector agrees to repay the debt, get all the details of the agreement in writing and use the documents as proof, just that they “forgot” the offer they made. Knowing the facts and bringing them close will prevail in any case. Also, if the Federal Fair Debt Collection Act is violated, all of this will make the report easier to report and start building case files.
Trust me, no matter what debt you have, you will meet a wide variety of collectors. Sometimes, they are friendly and reasonable. Others may be totally annoying. No matter what they do, always remember one thing. Their final game is to separate you from your money. Most debt collectors try to take advantage of a person’s lack of confidence and emotions. So if you don’t know your rights, they can scare you by using false threats. Always calmly explain your situation, why you lag behind debt and how you plan to pay it off. Never let yourself be argued. If they start yelling, calling your name or cursing you, hang up immediately. Note the call, and the name of the person you are talking to.
Apart from any misconduct, I hope you remember one thing. If you have debts, you have legal and Ethical obligation to pay. But there is nothing wrong with you calmly and confidently controlling such conversations. In the past, you may have made some financial mistakes, Olivia. But that doesn’t mean you should allow someone to insult and abuse you.
– Dave
