How to Lose Bill Collectors

If it's been a while since you last paid your bills, you've likely started receiving calls and letters from bill collectors. Creditors often hire collection agencies to corral payment from those that haven't yet paid their bills. As a renter or homeowner, pressure from bill collectors can seem intimidating or overwhelming. Creditors are often relentless, calling your home or place of business at all hours of the day until they've received payment. Such pressure can distract you from friends, family and day-to-day tasks. Luckily, there are several ways to lose your bill collectors and pick your life up where you left off.

Instructions

1

Review The Fair Debt Collection Practices Act, which stipulates the legal boundaries under which your bill collectors must operate. The law also outlines your rights as a debtor. Bill collectors cannot bully or intimidate you into paying unpaid bills.

2

Check your Caller ID system and avoid phone calls from bill collectors. Do not admit you are unable to pay your debts, as this will provide collectors with additional grounds to harass you. Request that all correspondences be sent through the mail.

3

Ask for debt validation to prove the unpaid bills are in fact yours. Collectors are given 30 days in which to provide such information or must drop their claim. Such information will ensure you're being charged the correct amount, as well as buy you additional time.

4

Work with the collection agency. Explain the amount you're able to pay and try to reach a settlement. Bill collectors wants to receive payment and will likely be willing to reach an agreement.