Phone calls from collectors can be incredibly difficult to deal with. This is because, the collector typically makes a commission off of the money they collect and are not very interested in your personal situation. The following sentence sums it all up:
Collectors are not interested in your story, they are interested in your money!
So you may patiently explain to them all the circumstances that prevent you to make a payment or make the payment in the amount they are asking for, but the collector proceeds with their own agenda and keeps on making demands that you cannot meet. Here are a few things to consider when you are dealing with collectors:
1- Collector is not interested in your story. They hear all kinds of stories all day. They want to collect money from you.
2- Don't attempt to reason with someone who will not reason with you. If you can't meet the collector's demands, there is no sense in reasoning with them.
3- This is not personal. Often people dealing with collectors, take the situation personally. Collection companies are a business and their business is to collect money. So, it is not about you or your situation. They are trying to do their job.
Now, Collectors cannot be be harassing you and there are limits as to what they can do or say to collect money. The Fair Debt Collections Act, governs collection companies' behavior. If you believe you have been harassed by a collection company, give us a call to discuss your case for free. Don't erase message they have left you!
Also, the automatic stay provision of the bankruptcy code will stop calls from your creditors. So once a bankruptcy case is filed, your creditors cannot contact you directly anymore (they need to contact your lawyer) and their collection efforts, including phone calls must stop.
Call us at 678-507-1590 or start your free evaluation by clicking here.