How to Deal with a Collection Agency

If you are forced to deal with collection agency practices for any reason, it can be very frustrating. Before you know it they are calling you several times per day. They are sending you letters that say you need to pay a certain bill by a certain date or they will take further action. The language that they use can be very intimidating and it can get the best of all of us. However, there are ways to deal with collection agencies that will make the process more manageable for you. Here are a few tips for dealing with collection agencies.

Set the Ground Rules

When collection agencies call you, they are notoriously known for being rude and hard to talk to. Many of them may talk to you like you are a bad person or that they are in control of everything. Let them know that you are willing to work with them as long as they treat you with respect and are willing to work with you.

Tell them that the moment that they start to be rude or threatening, you will hang up the phone. Once they understand that you are willing to work with them, they will usually put down the defense mechanisms that they usually put up immediately. Remember that the people on the other end of the phone are human too. If you talk to them calmly and with respect, they will usually do the same.

Phone Calls

Although it might not seem like it sometimes, collection agencies have rules that they are supposed to abide by. They want to call you when it is least convenient for you. However, if they start calling you repeatedly, it could classify as harassment. If they start to harass you, let them know that they cannot do that. If you want, you can request that they only contact you through writing. If they keep calling you after this, they are in violation of your rights.

If you hire a lawyer to represent you in these matters, they also have to direct all communication to the lawyer. If they call you and you have a lawyer, give them the phone number of your lawyer and they will have to talk to them. If they keep calling you after you have done this, they can get in some serious trouble. 

Payment Plan

Despite their claims that you need to pay the entire bill right away, you can set up a payment plan. Tell them exactly how much you can afford per month and they will have to work with you. They might try to raise the payment up, but if you stand firm, they will usually give in to your demands. 

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