The simplest option to get creditors off your back is to offer a credit card settlement. If you do not have the funds and are experiencing harassment from collectors, follow these steps.

1. Find out if the company calling you has a legitimate debt against you. Request that you be sent a letter showing details of the debt including dates, amount owed, to who the debt is owed and payment terms. If after research you find the debt is incorrect, demand the collector cease calling you for an illegitimate debt.

2. If after research you find that the debt claimed against you is not valid you should contact your phone company right away to report their illegitimate practices. Informing the phone company of their scheme can avoid someone else being taken by their scam in the future. Additionally, it’s important to notify the authorities so they can eventually shut down their operation.

3. For those debts that are found to be valid, send a “Do Not Call” letter to the company and the representative that is harassing you. The letter should clearly state your name, account details, and information regarding when and how you would prefer for them to contact you. It’s best to send this letter through certified mail so that you can keep evidence that the letter was received by the company in the event that you need proof of such in the future.

4. Keep a record of all harassing calls that you receive from creditors. Paying particular detail to the date, time, and name of the representative who called you as well as the company they work for. Keeping this accurate record can be used as evidence of any harassment that you are claiming to the authorities.

This entry was posted on Tuesday, February 22nd, 2011 at 6:07 am and is filed under Uncategorized. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.