Debt Collectors are supposed to collect bad debt... NOT ABUSE YOU!
I remember when I first came into the debt collection business over 20 years ago. I was
responsible for collecting all types of bad debt. Credit card debt was huge.
I was trained not to care about the person I was talking to on the other end of the phone.
That person on the other end of the line was just someone that owed my client money and
my sole purpose in life, (during business hours), was to extract the money that was owed
my client.
I have to admit, I was pretty good at what I did. And even today, every person that
chooses to come into the debt collection business is trained in the same manner.
The debt collection law that's on the books may restrict the debt collector as to what they
can and cannot say. But the objective is still the same. To collect the money and get the
money now. No debt consolidation here.
responsible for collecting all types of bad debt. Credit card debt was huge.
I was trained not to care about the person I was talking to on the other end of the phone.
That person on the other end of the line was just someone that owed my client money and
my sole purpose in life, (during business hours), was to extract the money that was owed
my client.
I have to admit, I was pretty good at what I did. And even today, every person that
chooses to come into the debt collection business is trained in the same manner.
The debt collection law that's on the books may restrict the debt collector as to what they
can and cannot say. But the objective is still the same. To collect the money and get the
money now. No debt consolidation here.
Look, if you buy something on credit
or borrow money, the right thing to
do is to pay it back. But sometimes
bad things happen to good people
that may cause someone to fall into
debt.
But you have to know that you will
often never win by talking to a debt
collector. The only chance you might
have is not to talk to them at all.
Your best course of action to combat
the debt collector is to choose the
power of the written word. What I
mean to say is, put to use the good
old fashion written letter, an envelope
and a certified stamp.
or borrow money, the right thing to
do is to pay it back. But sometimes
bad things happen to good people
that may cause someone to fall into
debt.
But you have to know that you will
often never win by talking to a debt
collector. The only chance you might
have is not to talk to them at all.
Your best course of action to combat
the debt collector is to choose the
power of the written word. What I
mean to say is, put to use the good
old fashion written letter, an envelope
and a certified stamp.
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Once a collection agency and the debt collector receive a letter from you requesting that
they cease and desist any further attempts to communicate with you over the phone,
they might as well delete your phone number from their system. However, you just might
receive one final call from the agencies debt collector for the sole purpose of informing you
as to the collection agencies next course of action.
Here is my advice when you receive that final debt collector call. Listen to what the debt
collector has to say and once they are done, your only response to the debt collector should
be ‘I understand what you have just told me (if in fact you do) and I am requesting that
you abide by the letter that I sent you certified mail. Thank you for your time and good-
bye… click.
That's it... that's all.
Now, this will not in any way eliminate or cancel out your debt. If the debt is valid and
just, you must pay what you legally and justifiably owe. This startegy at least allows you
some breathing room to create a strategy to pay your account and you won’t have to deal
with any more harassing debt collector phone calls.
Take control… today is the beginning of the rest of your life! Make it count!
God bless.
they cease and desist any further attempts to communicate with you over the phone,
they might as well delete your phone number from their system. However, you just might
receive one final call from the agencies debt collector for the sole purpose of informing you
as to the collection agencies next course of action.
Here is my advice when you receive that final debt collector call. Listen to what the debt
collector has to say and once they are done, your only response to the debt collector should
be ‘I understand what you have just told me (if in fact you do) and I am requesting that
you abide by the letter that I sent you certified mail. Thank you for your time and good-
bye… click.
That's it... that's all.
Now, this will not in any way eliminate or cancel out your debt. If the debt is valid and
just, you must pay what you legally and justifiably owe. This startegy at least allows you
some breathing room to create a strategy to pay your account and you won’t have to deal
with any more harassing debt collector phone calls.
Take control… today is the beginning of the rest of your life! Make it count!
God bless.