If you look online, you’ll find lots of tricky ways to stop creditor calls. You can avoid picking up the phone when it rings up with an unrecognized number, take your name off your voicemail message, or request that creditors not call you at work or on your cell phone. You can also send a formal Cease and Desist letter to the debt collection company, which they’ll legally have to abide by. However, are all of these methods really the best way to avoid those annoying, frustrating calls that interrupt your day?
The truth is that they are probably not. If you are to the point where creditors are constantly calling you to get you to pay your debts, you’re obviously in a bit of a tough situation. While you can ensure that the creditors stop embarrassing and frustrating you with their ill-timed phone calls, it doesn’t necessarily mean that they’re going to stop proceeding against you.
In fact, even when creditors are legally required to stop calling you on your request, they are definitely not required drp 收費 to keep from taking you to court over your debts. Hearing from your creditors constantly is way easier to deal with than being taken to court until you can settle your debts.
So, instead of relying on tricks and avoidance to get out of talking to your creditors, you should work on a debt relief plan that will help you avoid them the right way: by getting rid of your debt. There are many different debt relief options that you can try, and you may end up using different options with different creditors.
For one thing, you can actually call your creditors directly. If they are sending a debt collection agency after your money, then you’ll have to go the roundabout way and skip this collection agency in favor of talking to the company to whom you actually owe money. You may be able to work out a payment plan that will lower your monthly payments so that you can afford to make them. The main thing to remember is that your creditors would usually rather work with you on a payment plan than they would have you file for bankruptcy, in which case they’ll end up getting way less money.