You have legal rights to tell a collection agency to not contact you. All you need to do is write the collection agency and tell them to cease all communication with you. Just use the form that is below and copy and paste it into a word document. By law the collection agency must cease contact with you except to tell you that efforts to try and collect from you have been stopped or the collection agency will start a legal action against you like suing you. A creditor may not threaten to sue you unless it really intends to do so. If they are threatening you to sue but have no intention, this could be a violation fo the Fair Debt Collection Practices Act. They could be subject to a fine.
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Posted in Credit Restoration Articles
How do bill collectors operate? Debt Collection companies work on behalf of a creditor who wishes to collect on a delinquent debt. Typically the original creditor does not have the time or resources to go after delinquent credit accounts. Collection Agencies are specialists in the world of debt collection. They have the people and resources that specialize in collecting debt. Continue Reading »
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Posted in Credit Card Articles
What can I do if the creditor is wrong? Just because a bill collector is requesting money from you does not mean that you actually have to pay them. Just because they claim to have documents supporting the debt does not mean that they actually do. Do not let them push you around into paying money that you do not owe. There are two things you can do to to prove you do not owe the money and the debt collector is wrong. Continue Reading »
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Posted in Debt Settlement Articles
