If you are behind on some of your bill payments, and you have creditors calling you constantly to find out when you will be sending them some money, you are most likely annoyed with the situation. There are a few steps you can take to have businesses and credit collections services stop harassing you to find out when they will receive a payment. Here are some tips you can use to help you stop these calls while you try coming up with the funds to pay the companies their cash.
Try To Come To An Agreement
Most creditors do not want to go through the hassle of hiring a collection agency to try to get funds owed if they do not have to. Call the creditors that you owe money to and let them know that you are making every attempt to get caught up with the amounts you owe. Making a partial payment to a business may be enough to ward off phone calls if you alert them about how much you are able to pay and when a payment can be made.
Ask To Be Put On A Do Not Call List
According to the Fair Debt Collection Practices Act (FDCPA), it is illegal for a creditor to continue making phone calls to their customers if they are requested to cease this action. Write a letter to the creditor indicating that you no longer wish for them to make phone calls regarding the debt you owe. They will need to adhere to this request or risk being sued in a court of law. After you write a letter to the creditor, it is best to also send a copy of the letter to the Federal Trade Commission. The creditor will then only be allowed to contact you to let you know they will comply with your wishes or that they are suing you for funds owed.
Contact A Bankruptcy Attorney
If you decide to take the steps in filing for bankruptcy to eliminate the debt you owe, hiring an attorney to tend to the matter is best. Consider a firm like Biales Delchin Law LLC. Your attorney will take the steps needed in contacting each of your creditors to inform them that you have decided to file. They will then need to cease all correspondence with you, including phone calls, and handle any debt matters with your attorney instead.
Change Your Primary Phone Number
If phone calls get out of hand, you may want to consider contacting your phone company to have your number changed. Make sure to ask that your phone number not be listed in any type of phone book as well. Your creditors may be able to track you down eventually, but this is an option in stopping the harassment temporarily. Creditors are not allowed to contact a client at work, so make sure to notify an attorney if you are being bothered about bills at your place of employment.