Take These
Five Steps To Instantly
Make Bill Collectors Stop Calling
To make bill collectors stop calling, you MUST be ready to
take control of your life and financial future and you must be
ready to fight back. If your debts have you in a state of fear,
depression or anxiety, brush the dust off your shoulders
because you’re going to learn how to fight back and win! These
steps you are about to learn are not for people who would
prefer to hide under a rock or stick their heads in the sand
and hope their debt problem goes away. It won’t! As a matter of
fact, it will only get worse. If you’re ready to stop the
harassing debt collection calls and get on to the business of
getting out of debt, then lets go!
What To Do When Bill Collectors Call...
To make bill collectors stop calling, when you get that first
call, you need to respond and do it IMMEDIATELY! To respond to
that first contact, you will need to have these items ready and
within reach:
(1) A log to record who called, from what company, the day and
time of call, the duration of call and a brief description of
the call.
(2) Ink pen and paper/notepad for additional notes.
(3) A recording device to record the telephone conversation
with the debt collector.
Most of the new answering machines, VOIP equipment and Skype
technology come with conversation recorders. At the onset of
the call, YOU MUST take these steps and in this order.
Step #1 To Make Bill Collectors Stop
Calling
Inform the caller that before they can proceed forward you must
according to law notify them that you are recording the entire
conversation for the purposes of insuring that THEY do not
violate any of your rights according to the FAIR DEBT COLLECTION
PRACTICES ACT and your STATE laws.
Step #2 To Make Bill Collectors Stop
Calling
Advise them that for the purposes of
keeping official records, you are requesting the name of the
person you are speaking with and the name of his or her
supervisor and the official name, address and phone number of
the debt collection company.
Step #3 To Make Bill Collectors Stop
Calling
Advise them that you will be contacting your states ATTORNEY
GENERAL’s Office, your State’s Business License Division and
the Better Business Bureau to confirm that all of their
licenses and permits are in proper order and they have no
complaints filed against them in the Attorney General’s Office,
with the BBB or with any other OFFICIAL agency that oversees
debt collectors.
Step #4 To Make Bill Collectors Stop
Calling
Advise the
bill collector that you have been advised for legal
purposes, not to discuss any ALLEGED DEBT without having proper
legal representation present and that any violation of your
rights will be reported to the proper authorities. It is
IMPORTANT that you emphasize ALLEGED DEBT. They don’t know if
the debt is actually yours or not; they are assuming it is.
Step #5 To Make Bill Collectors Stop
Calling
Remind them that this ENTIRE conversation was recorded and that
they have been PROPERLY and OFFICIALLY advised that any and all
communications from them from this moment forward must come via
mail to the address they have on file.
To Make Bill Collectors Stop Calling You Must Live
By The “DO NOT” Rule!
DO NOT provide ANY information whatsoever to the person on the
phone or to their supervisor or to any representative of any
debt collection agency. DO NOT provide your social security
number. DO NOT provide your work telephone number. DO NOT
confirm any information they may have. DO NOT negotiate a
payment plan. DO NOT state that you will be making a
payment. DO NOT do anything except what’s included in the
five steps. DO NOT break this rule under no circumstances!
To Make Bill Collectors Stop Calling Remind Them of
The Facts of Life
If they ask for your address, have them to repeat the address
of record they have on file. If they insist on attempting to
obtain information from you, remind them of step #4, that you
have ALREADY notified them that you have been advised not to
discuss any ALLEGED DEBT without legal representation.
Inform them that because of their badgering and pressure you
are starting to feel emotional distress and will contact your
Attorney General and State Licensing Officials if the illegal
browbeating and coercive tactics continue. Remember, to make
bill collectors stop calling, you must take this position and
use this type of language; its all they understand.
What Just Happened? You Flipped The
Script!
Most debtors don’t realize the power the law affords them in
dealing with debt collection agencies and debt collectors.
These five steps to make bill collectors stop calling and put
you back into a position of power! No
debt collector in his or her right mind is going to engage
in a battle of words or wit with a person after they’ve went
through these fives steps. That would mean they are putting
their company in the crosshairs of a lawsuit they cannot
win.
Joel Marks has been helping people get out
of debt and avoid both bankruptcy and foreclosure for over
fifteen years. Utilizing savvy debt counseling, debt management
programs, Federal laws and a team of attorneys, debt counselors
and advisors, he has quietly assisted thousands come from under
the heavy burden debt.
Source: http://debterasure.com/
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