The Top 5 Tactics Used By Debt Collectors

If you owe a debt or multiple debts and have been contacted by a collection agency or debt collector than you know exactly how nerve wracking it can be. Debt collectors are in the business to collect money that you owe through just about any means necessary. They do not care about your particular circumstances. It simply doesn’t matter to them if you lost your job and can’t pay your bills at this time. They only care about how much you can pay today. That being said, you should be aware of the ruthless way they go about things in order to avoid falling into their traps. So without further ado, here are the top five (5) tactics used by debt collectors.

Debt Collectors Contact You When You Are Vulnerable

Have you ever noticed that debt collectors contact you at night when you are a bit tired from the day and may be a bit vulnerable, or call you at work when you may be a bit on edge and also vulnerable? They do this on purpose because when you feel exposed you want that feeling to go away. Although many people simply hang up, others will make a payment on the debt even if they can’t afford it just to make the debt collector go away. Do not fall for this tactic.

Debt Collectors Make Empty Threats

Some debt collectors stoop so low that they will actually break the law when attempting to collect a debt from you. For example, debt collectors are not allowed to threaten you in any way. However, some debt collectors will threaten to have you arrested if you don’t pay them. Others will even threaten physical harm. Once again, debt collectors including collection agencies that make threats are actually the ones breaking the law.

Debt Collectors Make You Feel Guilty

Debt collectors could care less about playing with your emotions; in fact they do it on purposes in order to collect money from you. That means they will try to make you feel guilty about owing the debt and that you are a bad person and or a deadbeat. At this point, most people just want to get off of the call, but if the debt collector has you under their spell than chances are high you will make a payment or pay of the entire debt even if you can’t afford it.

Debt Collectors Make You Feel Angry

Debt collectors are actually trained to toy with your emotions in order to get you to pay them. That means they will resort to throwing nasty insults your way. Once again, some people will simply hang up, while others will get so twisted up that they end up making a payment or paying the debt in full in order to make it stop.

Debt Collectors Lie

When speaking with a debt collector or collection agent, you need to keep in mind that they will do just about anything imaginable in order to get you to pay your debt. That includes telling you a bunch of lies. Do not fall for it. You do have consumer rights that protect you from the immoral and illegal tactics that most debt collectors use to collect your money.

If you feel that you are being treated unfairly by a creditor or collection agency, the good news is that you can do something to stop it. Your days of those harassing phone calls, letters, emails, and text messages can be over. You just need to go about it the right way. Your Legal Rights Advocates is a 5 Star Nationally ranked consumer based law firm that specializes in helping consumers who are experiencing Debt Collection Harassment, Social Security Disability issues, and a whole lot more. Please call us today for more information at 855-254-7841 or visit our website. We look forward to working with you.

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