Clean Your Credit File and Get Rid of annoying debt collectors,
who call you at work, home, or your cell phone.
Tools & Resources You will Need as you Read this Advice
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free of charge so you see where you stand
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Removal Instructions
In my experience I, have created steps to get
these annoyances to stop calling.
· Never answer your phone if you don't know who's calling you
· Send everything in writing
·
Validate your Debt
First you never answer your phone if you don't
know who's calling you (if you suspect a debt collector is calling
you. I always use the rule of thumb that if it’s important someone
will leave a message.)
Note: Remember that debt collectors don't use
their real names and they might call a close family member saying
that they need to contact you for some "very important business".
Don't fall for it debt collectors can’t tell anyone other than you
that the reason why they are calling is to collect a debt.
In my experience if I answer the phone and it’s
a debt collector they will keep haunting you, despite your best
efforts to tell them to stop calling you. What I do is I
cross-reference the number on an internet database that identifies
the caller and will let you know if a debt collector is calling you.
I go to
www.whocalled.us
and I type in the number who called me. If the number states that it
comes from a debt collector then I know not to answer the phone in
the future.
If you do answer you phone on accident and you
get a debt collector on the line, tell them you want everything in
writing and to stop calling you as is your right per Federal Law. If
they insist on talking to you never admit to a debt that they are
calling you about, I usually tell them this:
Sir/Mrs.
If
someone called you telling you that you owe money would you like to
see a written document outlining the debt that is in question? or do
you just agree to pay someone over the phone based on what they tell
you? There are too many scammers these days where I don't trust
anyone. Please understand where I'm coming from. If you feel that I
do have an obligation to your company then you must have all of my
correct personal information.
Then hang up on them. Do not confirm your
address or any other personal information. Protect yourself from
scammers who will try to prey on you.
Second if you’re in my situation where someone
stole my identity (Identity Theft) and went on a shopping spree with
my credit cards you will probably get letters from various debt
collectors, attorneys, and even the credit card companies
themselves. Even if you do legitimately owe the debt you always want
them to validate the debt. Unfortunately our legal system does not
protect you after you identity has been stolen, most times the
credit card companies expect you to have some sort of insurance,
well I didn't know that until after the fact. The law does require
the debt collector to validate the debt. This means that they have
to prove to you beyond any reasonable doubt that you in-fact are the
person whom they say owns a debt. For more information on validating
a debt go to http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm This
covers all your civil rights under the Fair Debt Collection
Practices Act. Unfortunately no one wants to give you anything for
free nowadays but fortunately for you I have researched and prepared
a letter that will help you. This letter was composed of my own
research, submitted advice by this websites users and other
information found on the Net. You might also want to get a free copy
of your credit report to see what is on there; you'll be surprised
to see stuff on your report that is not even yours. My dad and I
have the same name and because of my ID theft my dad's credit score
suffered too. Check your credit report and make sure that your
credit is your credit and not someone else's credit file bleeding
into yours you can get a Free Copy of your credit report by law
everyone gets a Free one
This page contains contact information for
about Credit. Please keep in mind that this is not intended to be
any legal representation of any kind nor did this information come
from a certified legal professional. This is information submitted
to us by people who want to help each other out. Use this
information at your own discretion, we are not liable for any
damages that might occur from the usage of such free information, if
you feel the need to contact a legal counsel please do so before
dealing with a debt collector or attorney.
