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How to Stop Harassing Calls From Creditors
By Ray Zimmerman
Since so many individuals are out of work, thousands of families have gotten behind in paying their financial obligations. For these individuals, life has taken a turn for the worse and they are being constantly hounded by bill collectors at all hours of the day and night. Most companies try to collect money from their customers that have fallen behind in their payments. The larger companies have special departments with personnel that have been specifically trained to contact these customers. Some of these companies are somewhat compassionate and will try to work with their customers, while others are only concerned about getting as much money from these individuals as soon as possible. These companies border on extreme harassment and can be stopped from doing so.
Many companies will turn these accounts over to a collection agency if they feel that their attempts to collect a bad debt is fruitless. Since the collection agency works on a percentage of what is collected, some of these companies can also become a nuisance to the individual that they are pursuing... to say the least. I will provide another article shortly that will specifically deal with these very insistent and annoying individuals. If you happen to be one of these unfortunate persons, you're going to be overjoyed with the information that I am about to provide. I’m going to show you how to stop a company from making harassing phone calls to your home and to your work place. You will be able to stop a company from contacting you by simply using the form letter below. After you send this letter, you will be able to take that particular company to court if they continue to contact you by phone and they will have to pay all court costs and all of your attorney fees which will eliminate the debt that you currently owe them. That almost sounds too good to be true! To utilize the form letter below, simply highlight and copy this letter and then paste it directly into your favorite word processor. SAMPLE LETTER TO CREDITOR Month 00, 0000 Creditor's Name
Street Address
City, State & Zip RE: Account # 0000000000
To whom it may concern, Thank you for your recent inquiry. This is not a refusal to pay, but a notice that your claim is being disputed. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Be advised that I am not requesting a "verification" that you have my mailing address, I am requesting a "validation"; that is, competent evidence that I have some contractual obligation to pay you This notice shall also serve as a limited cease and desist order and a demand that all future communication be in writing and sent by USPS mail. Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. Sincerely, Your Signature Your Full Name
Street Address
City, State & Zip Note: Make sure that you only send this letter by certified mail with a return receipt requested. You have the legal right to check all of your credit reports annually free-of-charge. Make sure that you do this on a regular basis. I have provided links below to the three major credit bureaus... Equifax, Experian and TransUnion and to the website where you will be able to secure your free credit reports. Depending on your exact set of circumstances, you may also need to contact the credit bureaus while dealing with your creditors. I’m furnishing the credit bureaus contact information for your convenience. CREDIT BUREAU CONTACT INFORMATION Equifax... (800) 846-5279 P.O. Box 740241
Atlanta, GA 30374 Experian... (888) 397-3742 P.O. Box 9530
Allen, TX 70513 TransUnion... (800) 916-8800 P.O. Box 6790
Fullerton, CA 92834 If you have been contacted by any company or collection agency because you have gotten behind on paying your bills, your credit report will reflect these negatives and your credit score will drop. If this is your situation, consider reviewing a previous article of mine... Tips on How to Improve Your Credit Score. This information will provide you with specific recommendations that will help you to improve your credit score over a period of time.
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Contributor's Note
Stop harassing phone calls from creditors by sending them this letter. It will make them stop dead in their tracks!
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Equifax
| Experian
| TransUnion
| Free Annual Credit Reports
Chained to Your Debt?
PLEASE VISIT THE CONTRIBUTOR'S WEBSITE
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The key is good communication.
 |  | odls Jul 5, 2011 04:00 | |
CONTRIBUTOR'S REPLY
You're right! Everyone should first try to communicate with a creditor if they are having difficulty meeting their financial obligations because of extenuating circumstances. When you cannot communicate with these companies and you are tired of their harassing phone calls... it's time to send them one of these letters.
This is definitely a better alternative than packing up and leaving in the dead of night.
 | | nick Jul 5, 2011 09:41 | |
CONTRIBUTOR'S REPLY
It's also cheaper!
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This intel was contributed by crawfish
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