Getting Rid of Collection Agencies

Do you have a problem with collection agencies calling you all of the time? This can be very annoying for most people. No one wants to be constantly harassed by callers looking for money all of the time. And once a collection agency gets a hold of you, they will not let go. They will continue to keep calling you until you pay them or until you change your number. You can hang up on them repeatedly and they will continue to call.

So how do you get rid of a collection agency if you do not have the money to pay them? The easiest way to get rid of them is to write to them and tell them not to call you any longer. Send them a certified letter and instruct them not to call you. If they continue to harass you, you can move against them for violation of the Fair Debt Collection Act.

Another way that you can get rid of collection agencies is to wait until they give up and have their documentation removed from your credit report. Collection agencies are hired by lenders when they cannot collect a debt. The collection agent will continue to do everything possible to contact a borrower to get money. They may not be successful and will then sell the debt to yet another, and even more aggressive collection agency. This can continue down the line until the debt is charged off.

Collection agencies are required to keep records of the debts that they are owed. They are often the ones who will report a charge off on your credit report, or even a late pay. You can dispute this with the credit bureau by demanding that they provide you with the debt contract. In many cases, the collection agencies will not have the debt contract and then will be forced to drop the debt from the credit report.

In some cases, a collection agency can be wrong regarding the amount that you owe. Or they may continue to try to collect even if you already pay. You have a right to dispute the information the collection agency provides to the credit bureaus.

It is often easier to get rid of collection agencies after they have given up on trying to retrieve money from you. Credit repair service companies can get rid of these reports for you. A good credit repair company can help you get rid of a collection agencies that have provided negative information to the credit bureaus. They can turn your credit around so that you can finally shake loose the collection agency once and for all.