The Simplest Way to Stop Creditors From Calling You
If you want to stop creditors from calling, you’re going to have to pick up the phone and talk to them. That may seem counterintuitive (why the heck would you want to talk to them?), but you–like them–are going to follow a script that’s guaranteed to have them stop calling you. Peace is just a few phone calls away.
Why You Have to Answer the Phone
If you are being harassed by collection agencies, you’re not going to know who they are unless you talk to them. That debt you once owed Citicard, or Bank of America, or Discover, has long since been sold to a collections agency. That’s right: sold. Don’t be fooled into thinking that when you are sending money to a credit collections company that you are paying off your original debt. You’re paying someone else, who purchased that debt (from someone else) for pennies. And you’ll have no idea who that company is (or where, exactly, that company is located) until you talk to them.
Five Easy Steps to Stop Creditors From Calling You
- Step 1: Turn your ringer on and pick up the phone. Follow this script exactly (once you have verified it’s a collections call).
“I’d like to send you something in the mail. May I have your address?” Don’t let them enter you into a conversation. Don’t let them pin you down to an amount, a payment schedule, or anything else. If they don’t give you the information, ask to speak to a supervisor. The collections agent won’t want to refer a customer who is offering to “send something in the mail” to a supervisor. - Step 2: Write down the address. Say “You will have something within the week” and hang up.
- Step 3: If the same agency calls back (they might), tell them you just sent them something. And hang up again.
- Step 4: In the meantime, send them a cease and desist letter.
- Step 5: Repeat the above steps (1 through 4) as many times as necessary. Sure, it will be the week from hell, but you’ll have a list of names of creditors to send those cease and desist letters to. That cease and desist notice serves as a legal way to stop creditors from calling you for the price of a postage stamp (and a couple of bucks extra at the post office).
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