A Way to Stop Debt Collectors From Bully You - The 11 Word Phrase

"STOP DUE AND CAN YOU JUST HELP OK" is what you should be saying when you are dealing with a debt collector. When the collector first calls you, it is usually to inform you that they have your debt and request for a payment plan. They want to work with you and can work out a payment plan that is reasonable for both parties. After that the debt collector will just continue to harass and if you don't respond then they will file a complaint with the collector's agency.

The question now becomes, how do I stop debt collectors from bothering me? One way is to find out why the collector has called. Call them back when you know. Some debt collectors simply do not have the time or patience to call back multiple times. Some creditors will forgive you only if you contact them by phone, but it is still better than dealing with a raving crazy guy or gal. To find out why you need to use a resource that is available online.

The first thing you need to do when you are dealing with a debt collection agency is to find a website or a resource that explains the process in detail. Once you have done that then you need to write a quick message to the debt collector explaining that you were not notified that a debt settlement was made. You can also explain that you were informed of the settlement and that if you would like a written agreement you would like to send it to the debt collector. Use the following 11 word phrase to stop collection debt collectors from bothering you.

Stop Calling Me: If you receive a phone call from a debt collector that tells you that they have a debt you should answer the phone and politely tell them that you are not going to pay that debt unless they send you a form. You should put the form in a safe place and then send it back to them. You should make sure that the form shows that you were informed that a debt settlement was offered to you. Then you should add your message stating that you will stop calling the debt collectors on a certain day in the near future. Click here for more details about 8552457098

Destroy Your Credit Reports: One thing you can do to help stop the debt collectors from bugging you is to destroy your credit reports. If you find a debt collector has bothered you for two months and you have not paid a cent yet the collection agency can use this as leverage to get you to pay. They can then tell the creditor that you owe money and that you will probably never pay the debt. If you can prove that the creditor is incorrect about this, you may be able to have them removed from your credit report. This is a great way to gain relief and you should not ignore this option.

Get a Written Validation: If you cannot reach an agreement with your creditor via a phone call you should send a written dispute letter. The written validation should state in writing that you do not owe the debt, you will pay it and you will require a written verification of the debt's validity. This verification should be sent by certified mail to the creditor along with your payment records. This is a good way to gain some relief for yourself and you should never ignore this option.