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What Should I Do if Creditors Keep Calling Me



When you have unpaid debts, it is common for creditors to attempt to contact you multiple times. Creditors may call your home phone and cell phone several times a day. They may send you an endless number of emails every day. If you feel overwhelmed by the number of times that creditors contact you, you are not alone. Debt settlement lawyers work with consumers who face all sorts of issues with creditors' communication tactics on a daily basis. A debt settlement attorney may help you pursue a lawsuit against creditors if they fail to stop contact you after a debt issue has been resolved. The Federal Trade Commission recommends that you speak with creditors at least once to try to resolve the issue. If this does not work, then you should consider meeting with an attorney.

Handling Creditors' Calls In A Smart Way

Because you may be able to obtain compensation for each additional time that a creditor contacts you, it is important for you to take note of each time that a creditor calls. If a creditor uses vulgar language with you on the phone, then you should also make note of this. The Fair Debt Collection Practices Act requires that creditors treat you with respect when they contact you to obtain a past due payment. It would not be a bad idea to record every phone call that you receive from creditors. These phone calls may be admitted as evidence in court if your lawyer is attempting to obtain compensation from them. Here are some other ways that you can handle phone calls from creditors:

  • Kindly ask them to stop the phone calls.
  • Let them know that the issue has been resolved or is being resolved.
  • Tell them that you have a lawyer working for you.

Contacting a debt settlement lawyer is in your best interest if creditors have resorted to using derogatory language in dealing with you. You should not have to be subjected to this sort of behavior when you are in debt and working to resolve your financial issues.  If you do not have a lawyer, Attorneys.com can connect you with one for free.