What to do when debt collectors safely

8:01 The phone rings on Sunday. The caller ID says, "ABC" Collection. His blood boils. Before the ruin of the serenity of his Sunday morning here are some tips on what to do when debt collectors without problems:

1. Know your legal rights described in the Fair Debt Collection Practices

A. You have the right not to be abused, threatened, or lied to debt collectors.

B. You have the right to limit, when(8:00 to 9:00), where (not in the workplace if needed) and how (by mail only if requested in writing) debt collectors can contact you.

C. You have the right to know if you're talking about a debt.

D. You have the right to receive, within five days of the collector first call, a written communication that reports on what is owed, to whom we owe, and how to resolve or contest it.

2. Be prepared.

A. do your own research beforetalk to the agency. Make sure the debt is yours and not someone with the same name as yours. Check if you have already paid or perhaps included in the bankruptcy. Collection Agencies are known for trying to collect on accounts that have already been resolved.

B. If the documentation shows the account is resolved or not theirs, to the dispute. Send a letter of complaint and documentation to companies and credit bureaus. Here is a sample complaint letterFederal Trade Commission http://www.ftc.gov:

Date
Your name
Your address
City, State, Zip
Complaint Department
Company name
Address
City, State, Zip

Ladies and Gentlemen:
I am writing to dispute the following information in my file. Items that also is surrounded by controversies the attached copy of the report received.This item (identify item (s) disputed by name of source, such as creditors or tax court, and identify the type of item, such ascredit account, the court, etc.) is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be deleted (or request another specific change) to correct the information.

Attached are copies of (use this sentence if applicable and describe any enclosed documentation, such as payment of taxes, court documents) supporting my position. Please investigate this (s) Topic (s) and (delete or correct) the disputed item (s) as soon aspossible.

Sincerely,
Your name

C. If you determine that the account is yours and still owed, the number of crisis and make a settlement offer. According to a 2007 study, the Federal Trade Commission, the permanent collection average of 16 cents on the dollar! Submit a one time payment or monthly payment plan. Do whatever it takes to solve them and the rear.

So the next time a debt collector problems for you, this is what you do!