Don't Be Afraid of Bill Collectors!

“DON’T BE AFRAID OF BILL COLLECTORS” All to often in my line of work I receive calls from worried consumers who are afraid of harassing bill collectors that are trying to manipulate them or scare them into paying their debts. That's all it is, plain and simple, these collectors are trying to coerce you into paying your debt and they will say or do whatever it takes to get you to pay, yes, even if it stems on the verge of being illegal.

I am here to tell you DON'T BE AFRAID of your creditors or bill collectors and definitely don't be afraid to talk to them. They have a job to do and they are only trying to collect as much money as possible from you as quickly as possible and if you tak my advice and read my blogs you will find some great information to deal with them on your own terms.

Bill collectors can’t reach through the phone and into your wallet and they can’t squeeze blood out of a turnip, they may threaten different action against you and they may be ruthless in their efforts, but this is no reason to cause concern or alarm, because you have legal rights under the Fair Debt Collection Practice act, check out my previous blogs to help protect you from having bill collectors say something that may be illegal.

All a collector has are their cut-throat collection tactics to either try to work with you, or try to scare you into paying your bill.

They aren’t men in black suits that will come and take you away.
They are not the local mob that will break your arm if you don’t pay.

All they have is psychological warfare to try to coerce you into paying your bill.

They can’t climb through the phone and reach into your wallet, or twist your arm to write them a check.

They may be an hourly paid employee sitting behind a desk to try to intimidate or scare you that your account will be sent out for collections Or they may be a commissioned collector that is trying to scare you into paying a debt so they can earn more commissions.

Sure there are certain things that could occur if you continue to ditch and dodge bill collectors, and the worse that could happen is that you are sued and a judgment is entered against you. Once a judgment is entered against you, they may be able to garnish your wages, take out a lien against personal property or levy your checking account............this my friends is the worse case scenario, and is highly unlikely to occur if you are taking a pro-active approach in attempting to deal with bill collectors and your creditors.

In many cases with a bill collector threatens these types of actions against you, they are lying to you and you should call them out to test whether or not what they say is true. Ask them the following questions if they mention any of the above:

Has your client authorized you to sue me?
Who is the attorney that will be representing your client?
When will you be sending a court summons or a discovery questionaire?
Are you threatening to sue me, if so, is this your last call to advise me of my rights?

There are multiple questions you can ask, but ask one or two questions to put the bill collector on the spot and let them know you are educated. People this works, it helps keep bill collectors in check.............once again, don't be afraid of bill collectors, mostly what they have to say is idle threats..........a creditor doesn't always want to take legal action against a consumer and they would rather have a collection agency try to collect on a debt for a months even years, before pursuing that course of action, but it is a possibility.

Even if a judgment is entered against you, you can always negotiate a reduced pay-off (settlement) of your debt......and maybe save thousands through debt negotiation.

Check out our website for more information on debt elimination at www.nationaldc.com

Sincerely,
Jason Oswald
National Debt Consultants, Inc.
www.nationaldc.com
www.debtnegotiationbusiness.com
www.eliminationsecrets.com