How to Battle Debt Collectors

The economic crisis has left many with increased debts and calls from debt collectors have become a more regular occurrence. However, bullying tactics of debt collectors do not have to be endured by consumers. Here are a few tricks on how to battle the debt collectors:

Learn your rights. Debt collectors must play fair.

Prioritize your bills. Ignore what the debt collectors says to prioritize payments for you – perhaps the credit card bill is not the most important one when it comes to feeding your family.

Stop contact. You have to right to cease contact with a debt collector. Write a letter to the collector asking them to stop contacting you.

Verify that you owe the money. If the debt amount or any details are incorrect, dispute it.

Sue debt collectors. If the debt collector has violated the law, you have the right to sue them.