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how to report debt collectors for harassment

(CurtisWeell, 18. 6. 2022 18:28)

Question: I will not deny it. I am past due with a lot of debts. But it is not like I willed to renege on my obligations. My family membersвЂ™ health circumstances compelled me to raise money. When my own resources got depleted, I resorted to borrowing. Before I knew it, I had borrowed beyond my capacity to repay. But does my financial situation give license to debt collectors to be so offensive to me whenever they come calling? Answer: You are not alone. Our EnRichв„ў Getting Out of Debt (GOOD) program has come across scores of people who did not intend to over-borrow and who are now being harassed, to say the least, by debt collectors. In one instance, the pestering calls of the debt collector to the human resources head of our clientвЂ™s employer led to the firing of that client. And when our client told the collector what he had done, he simply laughed it off and said he would do the same to his wife.

How could anyone be so cruel? The debt was a financial transaction. It was about unpaid credit card balances that were turned over to a collection agency. The collection agency entered a business transaction. Why are they then making it personal? Bangko Sentral ng Pilipinas (BSP) Circular 454 specifically states that banks, subsidiary/affiliate credit card companies, collection agencies, counsels and other agents cannot engage in unfair collection practices. 6 a.m. or after 10 p.m., unless the account is past due for more than 60 days or the cardholder has given express permission or said those times were the only reasonable or convenient opportunities for contact. There is a two-pronged strategy in addressing the rudeness of debt collectors. If you can, record your conversation with their consent. The other is to come up with a credible and holistic repayment program to address your debt not just with one creditor but with all of them. Efren Ll. Cruz is a registered financial planner of RFP Philippines, personal finance coach, seasoned investment adviser and bestselling author.

On a regular basis, monitor your credit report from all three major credit bureaus which includes Experian, TransUnion, and Equifax. You should at least annually check your credit profile. Review it carefully and if there are any past disputes or mistakes, make sure they are already corrected. Another thing you should consider is if there is an account listed that you know you have not opened personally, then immediately contact that creditor and the credit bureaus. This could be a sign that youвЂ™ve had your identity stolen. To protect yourself and your credit, request to have a fraud alert placed on your profile and account. An estimated one million people in America each year are victimized, making identity theft the fastest growing consumer crime. Establish good credit habits early in life and reap the benefits that your good credit rating will provide you for the rest of your financial future. About the Author: Gretchen Holmes, the shopping queen, has located the latest face whitening and perfume jean paul sure to please the most discriminating buyer.

There are potential lenders that offer you substantially lower interest rates. As well as better deals on credit offers which is where this will be reflected. Lenders only have your past payment history on which to decide the type of credit risk you present to them. Indicating to them how you will pay off future debts is how you pay off your debts. When is it too much? Or if itвЂ™s too little? Many credit experts and financial planners suggest two to four credit cards is just the right mix. Never pay less than the minimum due payment. Also remember that by just paying the minimum payment, paying off that credit card will take years and years. For instance, it would take you 30 years to pay off the amount plus interest if you pay off a $2,000 credit payment at 18% APR with a minimum monthly payment of 2% which is $40 or less.

Source:

- https://nocollectioncalls.com
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how to report debt collectors for harassment

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