How to Stop Debt Collectors from Calling You and Make Them Go Away for Good
The first thing to do when dealing with a debt collector is to understand what exactly is going on, what steps you need to take to get them to put up or shut up, and why what I am going to outline is right and proper and not simply a way to avoid debt.
When dealing with someone who calls you via the phone you have no idea who you are talking to.
For all you know it could be someone trying to get you to send them some of your life energy in the form of money.
A good example is when someone calls claiming to be your bank. If they request any information from you at all, would it really make sense to provide it?
Would it not make more sense to get their name, the branch that they work at, and their extension so that you can look up the number for the branch in question, call it, and request to speak with the one who just called at the extension they provided?
After all, if you just trust that they are who they say they are then it is entirely possible that you will be giving out your financial information to a complete stranger that is trying to drain your accounts.
When dealing with someone over the telephone, you have no lawful record of the conversation.
It is in your best interests to have everything in writing so that if push comes to shove you can show that you were trying to remedy the matter but the debt collector was being obtuse and abusive.
You do not know if the debt collector actually has any right to collect any debt from you.
While they will claim they do over the phone, you should make them prove their claim in writing. After all, if they will not testify in writing that they have the right to collect any debt from you and then prove as much, paying them may not extinguish the debt.
You do not know positively that you actually owe a debt.
You may think that you owe a debt, but if the one claiming that you do cannot or will not prove that a debt actually exists, then perhaps the debt has already been written off by the original holder or extinguished in some other fashion.
Step One: Ending unwanted phone calls by debt collectors
When dealing with someone who calls you via the phone you have no idea who you are talking to.
For all you know it could be someone trying to get you to send them some of your life energy in the form of money.
A good example is when someone calls claiming to be your bank. If they request any information from you at all, would it really make sense to provide it?
Would it not make more sense to get their name, the branch that they work at, and their extension so that you can look up the number for the branch in question, call it, and request to speak with the one who just called at the extension they provided?
After all, if you just trust that they are who they say they are then it is entirely possible that you will be giving out your financial information to a complete stranger that is trying to drain your accounts.
When dealing with someone over the telephone, you have no lawful record of the conversation.
It is in your best interests to have everything in writing so that if push comes to shove you can show that you were trying to remedy the matter but the debt collector was being obtuse and abusive.
You do not know if the debt collector actually has any right to collect any debt from you.
While they will claim they do over the phone, you should make them prove their claim in writing. After all, if they will not testify in writing that they have the right to collect any debt from you and then prove as much, paying them may not extinguish the debt.
You do not know positively that you actually owe a debt.
You may think that you owe a debt, but if the one claiming that you do cannot or will not prove that a debt actually exists, then perhaps the debt has already been written off by the original holder or extinguished in some other fashion.
Step One: Ending unwanted phone calls by debt collectors
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