how do i deal with threats fro debt collection agencies?

Answer 1

Reach an agreement, or contact Citizens Advice to intervene on your bahalf

Answer 2

I know there is a lot of talk about paying only £1 per month to your creditors, however, the amount you pay back has to be relative to your financial circumstances, otherwise the repayment offer could be considered frivolous. Your creditors have to take 'fair and reasonable' action to assist you if you are in financial difficulty. You can ask the collectors to allow you time to rearrange your finances, but you must keep in regular contact with them. Take a look at the Financial Services Authority website for the regulator's advice on negotiating repayment.

Answer 3

Get in touch with Citizens Advice.
Tell them what is happening and they will be able to help you get the Debt Collection Agencies off your back by being able to make payment arrangements etc. with the companies etc. you own money to.

Answer 4

First thing. Do you owe the money? If there is a dispute than they must leave you alone and you must send the dispute in writing. The laws are differ ant by states I believe but there are federal collection laws they are supposed to abide by. I say supposed to because they are crooks liars and jerks and they do not abide by lthe law. Do not believe any of their threats. They are liars! Get a lawyer or someone who can help if you cannot do it yourself. Document everything and record what they say on the phone. Tell them they are recorded and do it. Change your phone number if you have to.

Answer 5

Keep all correspondence from them & to them. Yes, you can send them a letter & I encourage you to do so. Tell them what you think is going on and what you can do about it, how much you can pay-if not sure DON'T commit to a set amount tell them you will send as much as possible. If they still stay rude, send the 1 pound per month in the form of a check or moner order. It is my understanding that if they refuse payment & send bak the check or money order the bill is paid. Could be wrong, but I don't think I am-ask an attorney just to be safe:).

Answer 6

go to the citivens advice they will help draw up payment plans i owe over £9000 and i pay £6.00 per month they can arrange everything including having the interest stop. they helped me loads i stoped getting threats they even got the companies to send the letters direct to cab office so i did'nt need to deal with them any more and the ones who continued threatening the cab threated them with harrasment it make take a couple of weeks to sort but it will be a weight off your mind good luck

Answer 7

Go to Citizens Advice centre they can help you sort out what you can afford to pay and act as go between for you and your creditors. Never go to those places that advertise consolidate your debts. They will rip you off and make your problems worse.

Answer 8

you have a choice to tell them to not call again. my sister told a collector that they were harassing her and not to call again and legally they have to "cease and desist" those are the words she told them. Of course your other choice is to pay what you can to get them off your back. Make an arrangement with them or lie through your teeth to buy yourself some time.

Answer 9

record the calls and after you have proof make a complaint ( I'm not sure with who but they're not allowed to threaten) then make a payment schedule with them to pay your responsibilites off

Answer 10

Look up bill payer rights in your state. Find out what they can and can't do. When they call simply hang up on them, your phone is there for your convience not for them to harass you.