WHAT TO DO IF A BILL COLLECTOR CALLS
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
consumer 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 Robert N. Honig at (630) 834-1800, or let us contact
you.
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Robert Honig is experienced in helping you
eliminate your debt. Contact him now for a free
initial consultation at (630) 834-1800.
If you would like help in deciding whether filing
for Bankruptcy is the right course for you, visit the Bankruptcy
Info Sheet.
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