When people hear the term “bill collector,” you can see their eyes narrow and their lips purse. The idea of talking to a bill collector is not something that people want to think about. But there are some things to remember about bill collectors that everyone should keep in mind.
When you are trying to figure out how to deal with bill collectors, remember that there are two kinds of bill collectors. There are the collectors that work directly for the original creditor, and there are collectors that work for a debt collection agency.
Regardless of who a bill collector works for, you should be aware of the rules of etiquette when it comes to talking to bill collectors on the phone or in person.
It Is Your Debt
Remember that the bill collector would not be calling you if you had just paid your bills – assuming they have the correct information. If you are having a difficult time paying your bills, then you should talk to a debt settlement expert about getting your debts under control.
Some people get angry with their financial situation and wind up taking out their anger on the bill collectors when they call. The real solution is to get professional financial assistance from a debt relief expert and put an end to the calls.
Bill Collector Is Just Doing Their Job
The bill collector did not pick your phone number because he has a personal vendetta against you. Most collection agencies have a policy of not allowing collectors to work on the accounts of people they know.
The bill collector is doing his job. You have a debt that needs to be paid, and the bill collector is calling you about paying it. If you really want to help the situation, then you should look at the call from the bill collector as an opportunity to take care of your obligation.
When a bill collector calls you, take a deep breath and remember that your actions instigated the call. Once you keep that in mind, then you may be able to develop the proper attitude to make the call productive.
The bill collector will have a calm and professional tone at all times. Bill collectors are trained to diffuse volatile customers by remaining calm and collected. The bill collector is going to give you every chance to act in a calm manner. You should take advantage of the opportunity and speak in a calm and professional tone.
When you engage the collector in a calm voice, you will be able to get more accomplished. Screaming at a bill collector instantly eliminates any chance you have of getting the benefit of the doubt.
It is incredibly important to take accurate notes when talking to a bill collector. The reason for this is because the collection agency must mail out a written notice for the debt five days after the initial phone call. Your notes will let you know if everything the collector said lines up with what is in the notice.
If there are any discrepancies between what you were told and what is in the letter, then you need to clear those up before moving forward. You want to make sure that you completely understand the terms of the debt before moving forward.
Make No Arrangements On The First Call
Once you feel that you have received all of the information you need in the initial call, ask the bill collector for his contact information so that you can call him back. Then request that a written notification of the debt be sent to you.
Even though the written notification must be mailed within five days, you want to mention the notification so you can let the collector know that you will call after you have reviewed the information. End the call in a professional manner and give an approximate date on when you expect to call back.
Hire A Professional To Get The Bill Collectors Off Your Back
Once you get written notification of the bill in the mail, take it to a professional debt settlement expert. The debt settlement expert will be able to guide you through the next steps of dealing with the debt, which will include the expert calling the collector to settle the debt.
A debt settlement expert may be able to get your debt reduced by as much as 50 percent. You can also utilize the debt counseling services a debt settlement expert offers to help avoid debt issues in the future.
We can connect you with a top rated debt relief firm that has professionals who have experience in settling debt with collection agencies and getting clients the results that they are looking for. We want to help you pay your obligation by getting it down to a number you can afford.
Call us today, and let us set you up with a comprehensive financial analysis and help you to get your personal debt under control.