Dealing with collection agencies

Are you tired of receiving calls or threatening letters from debt collectors? Well, these are just between the two approaches are commonly used to force the debtor to pay its debts. If you want stop annoying phone calls and letters, then you need to know the ways of dealing with collection agencies. It is sometimes difficult and frustrating to treat problems with debt collectors, but if you relax and take the following measures, thenyou can put an end to these difficulties:

1) Know your rights with respect to debt collection agencies are. Among these rights:

o You have to be treated fairly and their privacy should be respected. You may ask us not to contact when I'm at work or at a time and place that is convenient for you.

or the collecting society does not oppress, harass or abuse you with the threat that, by publishing his name or talk to you in an obsceneway.

Must not use false or misleading information to collect payments as falsely imply that you have done a crime, they are attorneys or government representatives, or is working for a credit bureau.

or The agency must not use unfair practices to collect payments on their debts.

2) Keep a record high. When a debt collector has contacted to obtain information from him / her.

or should ask the caller's nameand the agency name and fax number and address of the collector, the name of the supplier and the amount of money allegedly owed.

Or type the name of the caller and a summary of the conversation. The talks should not be recorded unless the caller knows that their conversations will be recorded. Also, be sure to keep archive copies of all communications sent and received by people.

Or put everything in writing. Ifwant to dispute a debt, or if you choose not called back, and then a letter and send it to the collecting societies. Keeping track of applications through writing.

3) pay the amount of debt. This is the most effective way to deal effectively with the Collector. Once your account is clear, then the story ends there. If, meanwhile, are unable to pay its debts, then call the agency and explainthat the reason for this problem.

If you negotiate with the agency to the new terms of payment, make sure to put a negative on your credit report. Recalling the agency to inform lenders that have made the payment is a good idea. Ask the creditor to give the payment in writing.

Sometimes when the bailiffs seem to upset you, just keep calm and realistic results. The above suggestions may be useful in the treatment ofsuch demanding situations.

However, if you think the debt collection agent is violating the rules established by the Fair Debt Collection Practices Act, then you have the right to sue the agency in the state or federal court within twelve months from the time the law was violated. If you win the case, then the agency must pay for the damage it has suffered in cash and an additional dividend of up to one thousand dollars. YouYou can also recover court costs and fees of the office.

Any problems you experience with a company to collect, as immoral, unjust and illegal practices may be reported to the Attorney General and Federal Trade Commission. In such situations, knowledge of the rules with the debt will play a major role. Each state may have its own laws on debt collection, so be sure to consult your stateAttorney General to help you know your rights.

Facing a debt collector can be one of the hardest things I've ever faced, but can not be avoided, especially if you're really in deep debt. But you must always remember that the law can be your best weapon. If you know well, then deal with collection agencies will not be a difficult task for you. With this, you and your family can be protected from undue harassment.