Nothing further exacerbated the stress of being harassed by debt collectors as always in debt. Especially for those who are trying to seriously get debt relief help is with phone calls from someone who does not fully understand your situation may harassed both annoying and distressful. Different collection agencies work on different levels, and unfortunately there are some who, despite state and federal laws of their behavior use to collect hardball tactics such as threats and intimidation in an attempt.
None of the severity of your financial shortcomings role, you have the right to be treated with respect to your privacy and dignity. Not all debt collectors are rational and reasonable, in fact, there was a wide coverage in the media recently about a collector who threatens the life of the defendant on a balance of $ 300. If you are in a situation where you find danger, do not hesitate to call the police. Most situations are not nearly as extreme, in this case, you can simply click on the government agency that handles complaints such things in your state.
The following is a list of general tips that you can follow when compiling a letter expressing your collection agency complaints should:
• Make sure that you keep a file with data collection pieces names and details of any discussions or correspondence regarding your debt. Make copies of all correspondence you send and receive and store the originals.
• Beginning with the date of first contact by a debt collector, put all your notes, letters, and other documents sorted by date. Include copies of documents that strengthen your arguments and support your version of events.
• To attract the attention of the agency official (s) who keep read your letter, the sound should be concise, business-like and straight to the point. Call who, what, when, and briefly explain the actions of the collector that you feel were unfair and in violation of the law.
• Start your letter by the first date you were contacted by the collection agency. Can show the original date of the contact, for example, that you have tried to resolve the problem directly with the collector for a long time.
• Not every contact from a debt collector is an abusive practice. Only the important details should be included in your letter of complaint. This includes rude / harassing / threatening phone calls, dialed calls at odd hours and calls made to your workplace after the collector has been asked not to contact you there.
• If you want to mention the little things, such as frequent contacts that could not necessarily qualify as abusive simply summarize in a sentence or two. Frequent contacts that were not abusive practices that can simply be stated in a summary statement. For example: "The collection agency contacted me 20 times May 1 to June 1."
• If you are unsure of what else should be included in your complaint, check. Prohibited practices under the Fair Debt Collections Practices Act
• Finally, provided that the debt is actually your own and you do not take a victim of identity theft, measures, in order to get the debt relief by talking to a credit counselor, always bankruptcy counseling, etc....
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