When you get to the point where you have to deal with collection agencies, it can get pretty stressful. Things are obviously not going well when it comes to money already, and then you have to deal with them. The following are tips that will make it easier on you when dealing with collection agencies.
- First of all, it is very important to stay calm. Yelling, swearing and name-calling will not get you anywhere. It will just make the other person defensive which will not help you in the long run. You need to try the best you can to keep things friendly.
- If the agent you are talking to uses a bad attitude with you, or speaks to you in a tone that you find unacceptable, give them one warning. If they persist ask to speak to their supervisor. Once you get on the line start from the beginning and explain your situation. You may also want to mention to the supervisor the reason why you wanted to talk to him, mentioning that the previous agent was giving you attitude.
- Write down exactly what is that you have discussed with them and make sure to keep a paper trail of everything that goes on with your debt, and/or conversations with the collecting agency. You need to have proof of everything, especially if this goes to court. You may also want to record the conversation, but it is always best to let the agent know that the conversation is being recorded.
- It is best not to tell the debt collectors outright that you have no money to pay them. Explain to them that you do intend to pay the debt –if it is legit- but that you have other more important bills that need to get paid such as your rent or utilities. Then, you can try to figure out a payment plan with them. Be reasonable and hopefully they will also act this way.
- If you do not agree with the debt in questions, call a debt negotiator who will be able to help you with the legal part of the negotiations. Again, they will be better able to help you if you have all the recorded information from the previous conversations with the collection agency.
Dealing with debt collectors is not a fun task for anyone, but by keeping these tips in mind, you should find it a little bit easier.
