How to eliminate annoying collection calls

If someone is very behind on debt payments, collection agencies may start calling debtors to get payment.

It is a stressful situation, because these agencies call insistently, and in some cases you could say "harassors."

Some more “smart” collection agencies will look for a way to get you to pay immediately, almost to the point of threatening the person who owes the money.

Actually in these cases the best option you can have to completely eliminate those annoying collection calls or “Collection Calls” as they are called in English here in the United States, is by reaching a payment agreement.< /p>

It is very possible that the collection agency does not want to easily access a new monthly payment system because simply, if a person is already in “collection” it means that they did not make their payments on time.

However, you can try and try to negotiate a new payment arrangement that you agree to pay.

If you are not in a position to deal with one of these agencies that, in many cases, “drive debtors crazy,” it is better to contact a debt consolidation and negotiation entity, such as Debt Freedom USA, which has more 11 years helping the Hispanic community in the United States achieve financial freedom.

If the calls go on and on, remember that even though you haven't paid on time, you have your rights, and you should be treated fairly, no matter what. There are laws that protect debtors from these insistent calls.

Laws that protect you from collection calls

Even though you have not paid, here I let you know some laws that protect you from those tormenting calls:

• They cannot call you before 8 a.m. or after 9 p.m.
• They cannot use profanity, threaten violence, or harass you into paying.
• They cannot lie or pretend to be someone they are not.
• They can't ask you to pay a debt that doesn't even exist.
• They cannot threaten you with arrest or deportation.
• They cannot tell anyone except their spouse or attorney about their debt.

If a debt collector calls and uses any of these tactics, hang up and report it to the FTC. Remember: You have the right to be treated fairly, no matter what.

Who are debt collectors?

Debt collectors try to collect money you owe to another person or bank. These payment collection agencies must follow the rules when they call you. If they don't follow the rules, you can file a complaint with the Federal Trade Commission. However, the best option you have to put an end to these harassing calls is to contact a debt negotiation entity so that they can take charge of the case and you can pay installments that are more comfortable for you and very possibly at a lower interest rate.