How to Get Rid of Debt Collectors

Debt collectors are persistent. They'll call your home two and three times a day, leave harassing messages and they might call you at work. Debt collectors have a legitimate job, which involves collecting money on past due accounts. However, this doesn't give them the right to harass debtors. Debtors have specific rights. And fortunately, there are ways to get rid of debt collectors and stop the harassment.

Instructions

1

Write a dispute letter. Occasionally, an old charged-off debt or an unknown debt will come to haunt a person. When this happens, write a dispute letter to the creditor or collection agency, and ask them to provide written proof of the debt. By law, creditors and collection agencies have 30 days to respond to a dispute. If they're unable to provide proof of the debt, they have to cease all collection attempts.

2

Establish a new payment arrangement. If the debt is legitimate, set up a payment arrangement with the creditor or collection agency. Agree to pay a certain amount every week or month. This is usually enough to satisfy the debt collector, in which they'll stop the harassment.

3

Hire a debt management company. Debt consolidation and management agencies know how to deal with debt collectors. They'll contact your debt collectors, negotiate better terms and create a new payment plan. You'll submit payments to the agency. In turn, the agency pays your creditors.

4

Record phone calls and keep copies of letters. Some debt collectors are bold. They leave threatening messages on telephones and rudely address customers. Keep records of all telephone messages and attempt to record a telephone conversation. Contact the debt collector and ask to speak with a manager or supervisor.

5

Get a lawyer. If necessary, hire an experienced attorney to stop debt collector harassment. Regardless of whether you owe the debt, debt collectors don't have the right to make threats.