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| *Loan,banking and credit>>>credit counseling |
I am in credit counseling now, How do i deal with the constant creditors who keep calling.? |
They tell me they want money and the program starts on the 10th of April. Do i send them money or just ignore them and have my counselor deal with them? You can tell them not to call you anymore. Get the name and ph number extension of the person you tell and have them contact you by mail only. The credit laws protect you from harrasment, but you have to take the initiative. Depends on who you owe and how much. Beginning the program doesn't mean you'll immediately start paying debts, so if you can send at least $10 to each, you may shut them up for a while. Send them a letter via registered mail demanding they stop calling you. They MUST stop calling, and are only allowed to call you ONE time after that, and ONLY to tell you the are ending collection activity. Look up the 'Fair Credit and Reporting Act' online. Get advice from your counselor on how to deal with them. Don't send anything at the present moment. You will have to be the one to deal with them, not your counselor, but you can take advisement from him first. They may be in violation of the Fair Debt Collection Practices Act. Tell them that you're starting credit counseling and not to contact you further about the debt. http://www.ftc.gov/os/statutes/fdcpa/fdc... Ignore them and let the counseling service handle it. Use your caller ID and do not frustrate yourself. If they call you at work, politely inform them that they cannot contact you at your place of business. Sending letters is good, but if you will be on a plan soon, I would not waste the money on stamps. |
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