Many consumers who are
behind on their bills dread the thought of telephone
calls from collectors. Bill collectors can be
intimidating, but no consumer should live in fear.
After a person files for bankruptcy, these
calls are not allowed. If you follow these rules, you
can answer your telephone with greater confidence even
before filing for bankruptcy.
- Be truthful. Lies
will surely come back to haunt you. Don't tell a
bill collector that "the check's in the
mail" if it isn't. Your lie or promise will
likely be recited back to you in a later
telephone call.
- Take notes. The
collector will be taking notes, and you should
too. Keep track of what you told them and what
they told you. Also, write down the name of the
person with whom you spoke and the date and time
at which they called. This information will be
helpful if you speak with someone from this
company again.
- Explain a
temporary financial problem. If you're
experiencing a temporary setback in your
finances, go ahead and explain the situation to
the collector. They may give you time to get
through your situation. However, you should
always keep Rule #1 in mind – tell the truth.
Admit if you cannot pay your bills. This takes
much of the power away from an aggressive bill
collector.
- Get help. If you
cannot pay your bills, call someone who can help
– call an attorney. We'll be glad to give you
an initial consultation for free.
Call (305) 285-9100, or let
us contact you.
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