Calls from debt collectors can be very irritating. Few people even think of getting their phone number changed or disconnect services to stop getting debt collection calls. Fortunately, there’s a better way – one that lets you keep your number without having to deal with collection calls. However, it is important that you know how to avoid getting RIPOFF or how to recognize debt collection scams. It is important to note that there are scammers who pose as collection agents to trick you into paying money for debts that have been canceled or paid or that do not even exist.
Brennan & Clark Collection Agency goes further than collections to offer customized receivables support solutions that get rid of credit losses. Founded in the year 1980 this agency is located in Villa Park. Illinois. The company has been a pioneer in the collection industry. Their philosophy is straightforward which is that how can it be done better.
Being a leading collection agency, Brennan & Clark says that there is no law that says you have to converse with a debt collector by phone. If you hang up on a debt collector they can do nothing about it. But, if the collector continues to call you time after time even after you have hung up on them, they are in violation of the Fair Debt Collection Practices Act or FDCPA.
The best thing that you can do to stop debt collectors from calling you is inform them that you choose to communicate with them in writing. Written communication works in your support as it gives you a record of the whole thing that is said. If the debt collector violates the FDCPA, you have hard proof that could lead to a court case in your favor. The best way to stop debt collectors from calling you is by sending what is recognized as a cease and desist letter. In the letter, inform that the collector should cease and desist more communication with you. However, it is important to keep in mind that the cease and desist letter only applies to third-party debt collectors who are working for the company you initially created the debt with.
Once the cease and desist letter is sent to the debt collection agency, it is time to take a look at your budget to see whether you can either pay off the debt in full, or think about other debt relief options, such as a debt management program, Consumer Proposal, or a debt settlement.
In case you make a decision to repay the debt in full, ensure you get a receipt for the payment and do not ever send cash in the mail. In most circumstances paying the debt in whole is not possible, in which case you can speak with Brennan & Clark Collection Agency about making a payment arrangement. But prior to you agree to any payment arrangements; go through your financial plan to see what you can afford without falling behind on living expenses and other payments.