They tell me they want money and the program starts on the 10th of April. Do i send them money or just ignore them and have my counselor deal with them?
2007-03-27 11:50:42 · 8 answers · asked by sandlerfan29 2 in Business & Finance ➔ Credit
You can tell them not to call you anymore. Get the name and ph number extension of the person you tell and have them contact you by mail only. The credit laws protect you from harrasment, but you have to take the initiative.
2007-03-27 11:54:30 · answer #1 · answered by sdmike 5 · 1⤊ 0⤋
I would suggest you to join a debt settlement company who will negotiate with your creditors and brings down your principal debt amount by around 30% to 70% depending on your credit companies.
You can make affordable monthly payments and be out of debt within 3-36 months. There are no hidden costs and upfront fees associated with the monthly payment options.
Once you join the debt settlement program, all the calls and any other form of communication will be directed to them and not to you any longer.
They will start working on your credit cards in 24 to 48 hours after you join the program.
Check out this debt settlement company who has helped me out with the unsecured debt problem.
http://www.debtfreeafterall.com
Good Luck
2007-03-28 10:14:23 · answer #2 · answered by Hima K 2 · 0⤊ 0⤋
They may be in violation of the Fair Debt Collection Practices Act. Tell them that you're starting credit counseling and not to contact you further about the debt.
2007-03-27 11:57:02 · answer #3 · answered by Anonymous · 0⤊ 0⤋
Ignore them and let the counseling service handle it. Use your caller ID and do not frustrate yourself.
If they call you at work, politely inform them that they cannot contact you at your place of business.
Sending letters is good, but if you will be on a plan soon, I would not waste the money on stamps.
2007-03-27 11:59:33 · answer #4 · answered by AuntLala 3 · 0⤊ 0⤋
Depends on who you owe and how much. Beginning the program doesn't mean you'll immediately start paying debts, so if you can send at least $10 to each, you may shut them up for a while.
2007-03-27 11:54:23 · answer #5 · answered by Venita Peyton 6 · 0⤊ 0⤋
Send them a letter via registered mail demanding they stop calling you. They MUST stop calling, and are only allowed to call you ONE time after that, and ONLY to tell you the are
ending collection activity.
Look up the 'Fair Credit and Reporting Act' online.
2007-03-27 11:55:34 · answer #6 · answered by Skyhawk 5 · 0⤊ 0⤋
Get advice from your counselor on how to deal with them. Don't send anything at the present moment. You will have to be the one to deal with them, not your counselor, but you can take advisement from him first.
2007-03-27 11:56:14 · answer #7 · answered by Mr. CoCo 3 · 0⤊ 0⤋
screen your calls. get caller id and only answer if you know who it is.
2007-03-27 12:02:16 · answer #8 · answered by HU4L 2 · 0⤊ 0⤋