| How to stop the debt harassing from a debt collector
Possibly the easiest way to stop debt harassing phone calls from
a debt collector is by joining a debt consolidation program. Shortly
after you join the debt harassing phone calls should stop, because
by that time the debt collection agency should already know that
you are working with someone to pay off your debt. A debt consolidation
agency will talk to your creditors and work out a plan that is best
for you. That way you can say good-bye to the pesky debt collector
and his debt collection agency. You can get free
debt consolidation help and talk to a credit counseling about
your debt harassing problem.
You can also stop the debt harassing by simply writing to the creditor
that has hired the debt collector to contact you. Once they receive
written notice they only time they can call you is to tell you that
they are going to stop calling you. They can decide to sue you if
they so please, that is why we recommend going through a debt consolidation
agency to stop the debt harassing.
Stop Debt Harassing - You Have Rights
The minute you sign a charge slip for a credit card, or take out
a loan, you become a debtor. You are now dealing with a creditor(s),
and all the myriad problems that may arise, from late payments as
a result of mail problems, to the fastest growing crime in America-
identity theft.
You as a debtor have rights under the law. If you have already
used, or are planning on using credit of any kind, or incurring
a debt, be familiar with those rights. You also have rights to stop
debt harassing.
You have the right to know what
your credit report says about you. That report may contain mechanical
or personal input errors in the data, such as late payments when
there weren't any. It may show that you are a victim of credit card
fraud, where you have been impersonated and debts incurred in your
name.
Consider just how many people see that report. If you apply for
a credit card, the issuer sees it. If you apply for a job, the potential
employer sees it. Applying for a mortgage? The bank will see it
too. There are even "notification services" subscribed
to by creditors. These services will let them know when you are
falling behind on other bills, even if you are current with that
creditor.
You have the right to know who
has requested your file. The credit bureau must provide you with
the name of the company/individual who requested the file, and their
contact information.
In cases where credit is denied, you are entitled to a reason
why, plus the name of the credit reporting bureau who made the report.
You have the right to a complete
and accurate report. If you discover errors on your report, you
are entitled to ask the Credit Reporting Bureau to correct it. A
time limit is established by the Fair Credit Reporting Act, for
both creditors and credit bureaus to investigate and correct erroneous
reports. They are then obligated to send the correction to all three
credit reporting agencies.
You have the right to make a
statement about your report. If there is an item under dispute,
perhaps a bill you paid, but the creditor claims you haven't, you
have the right to file a statement with the credit bureau. This
must be attached to your report, and distributed to anyone asking
for a copy, in which they will also receive the negative information
from the creditor.
You have the right to confidentiality.
Despite the fact that so many people do see your file, including
those applied to for credit, insurance, or employment, a credit
bureau may not give out your personal information for non-business
purposes.
You have the right to start over.
Bad debts, late payments, and other negative information must be
removed after seven years. A bankruptcy will remain on your record
for ten years.
You have the right to bring legal
action against a credit bureau. Inaccuracies in your report that
are not removed and explained to potential creditors, may give you
grounds to sue the credit bureau. Remember though, that it is a
long, difficult and expensive process.
You have the right to make creditors
stop calling and making debt harassing calls. Simply right to the
creditor and tell them you want the phone calls and the debt harassing
to stop.
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