PROBLEM: HARASSING COLLECTIONS CALLS
Problem: “I’m constantly getting harassing calls from my creditor/collections.”
If you’ve fallen behind in making payments, you know what it feels like to receive endless calls from creditors. If a creditor or agent of a creditor is engaging in calls that annoy, abuse or harass you or any person answering the phone, using obscene or profane language, or engaging in threats of violence, harm or arrest, it is a violation of the Fair Debt Collection Practices Act. Many creditors and collection agencies have altered their behavior, but there are still some companies that act unethically. Even if they are acting within their rights, the constant bombardment of calls and mail can become extremely stressful.
Although primarily done over the phone, harassment can come in the form of emails, texts, direct mail or even contacting and/or communicating with your friends or relatives about your debt. In one two-year period (2013-2015), the Consumer Financial Protection Bureau (CFPB) reported that over 163,000 consumer complaints regarding debt collection were received. The Federal Trade Commission (FTC) has stated that no other industry receives more complaints.
The mental and emotional stress that accompanies this continuous onslaught of communication from creditors or collection agencies cannot be overstated.
How We Solve it
We understand the toll that being constantly contacted by creditors, collections agencies, and law firms can have on an individual. Even if it doesn’t meet the legal requirements of ‘harassment,’ it can certainly feel like it. Once you enroll with us, our team of experienced negotiators contact each of your creditors and work to handle all of the communication for as long as you’re enrolled in one of our programs.
To be clear, we cannot guarantee that creditors and collection agents will not try to contact you once you’ve enrolled in a program with us. We make every effort to divert all calls and communication to our negotiation team. If you continue to receive calls, we suggest directing the caller to your account representative for any further questions. Furthermore, if you feel you are being harassed, you can contact the CFPB by calling (855) 411-CFPB(2372) or online at www.consumerfinance.gov.
We strive to eliminate the daily headache of having to deal with constant interruptions or possible harassment by acting as your personal agent and handling the ongoing communication with your creditors. You’ll be amazed at what a difference it will make to eliminate that daily stress and return your life to normalcy.
Debt Relief Done Right.
Our proven programs help you pay off your debts in 24-48 months.
We negotiate with your creditors to significantly reduce the amount you owe and slash your monthly payments.
Ready to cut the ball and chain of debt and get your life back on track?
Contact us today to find out how we can help.