How to STOP Collector Harassment: Part 2

How to STOP Collector Harassment - Part 2:
In my last blog posting, I discussed how you can Reduce or Eliminate Collection Calls by advising a bill collector to "Cease & Desist" collection calls. In this blog posting, I am going to give you another Powerful Tip in dealing with bill collectors on your own terms to help protect your rights under the FDCPA (Fair Debt Collection Practice Act).

Well here it is, short-sweet-and simple. When you receive a call from a debt collector advise them of the following: "Please be advise that I may record this call or any future calls I receive from your collection agency!"

You may want to say this word for word to the bill collector that is calling you. This is a sure fire way to keep debt collectors in check so they aren't saying something that may be illegal or against your rights.

Now you don't necessarily have to record the call, you only simply have to make this "POWERFUL" statement and the collector is going to be on guard, in fact you may even discover that the bill collector hangs up you.

If they try to argue with you about you being able to record their conversation, simply restate the above line again, and because you are putting them on notice, you have the right to record any call as long as you notify the other party that you intend to record the call. In some states you don't even have to notify the other party, but that will vary from state to state and something that I just don't have time to cover.

If you want to record calls you should check with your local electronic store to see what sort of inexpensive devices they have for you to record telephone calls. There are also great programs that will run through your computer, simply enter into google the following: "Telephone Recording Software" and you are bound to find some great programs.

Don't let bill collectors try to scare you or manipulate you into believing that you don't have rights, because you do..........bill collectors are sometimes predators and are looking to prey upon consumers that don't know their rights. So do yourself a favor and keep reading my blogs or share this information with your friends, family members and business associates.

Sincerely,
Jason Oswald
www.nationaldc.com