by Talina Norris

Created on: December 06, 2008   Last Updated: October 26, 2009

I am just a bit peeved right now and I thought rather than ranting about it and making certain people look bad I would write a somewhat informative post to help those certain somebodies, then I would rant at the end

Do you receive at least one debt collection letter a month or perhaps you are get debt collection calls They are annoying and stressful right? So how do you deal with them? Most people simply choose to ignore them, they do this for many reasons.

I know that being in debt is stressful, the collectors are usually jerks, you feel like you will never be able to pay the debt off and that it is just easier to pretend the issue doesn't exist. I have my fair share of debts and know exactly what you are feeling and thinking, I have some advice for you
Pay them whatever you can, NOW!
Did you get that? Right now send them a check, even if it is only $20.00. Common, get your check books out and write that check!

Don't argue with me about it. I don't care if that $20.00 only goes towards interest, I don't care if they said they will only accept X amount of dollars when you called Just send them a payment, NOW!

The worst that could happen is they don't accept the payment but I am telling you the majority of them will cash your check and then you'll be making good on the debt.

If you don't deal with the debt (in writing) and if there is no proof that you are making attempts to repay the debt they can and will take legal action against you. I am talking wage garnishment, fund levying and so on Do you want them to get a judgment against you that forces you to pay even if you can't afford to or would you rather voluntarily pay what you can afford?

As a consumer you do have rights and options when you owe debt. If the debt collector is rude or uncooperative you can take steps to protect your rights. Those debt collectors want to make it hard for you to repay the debt, I know it sounds crazy but think about it They want to charge you penalties, interest and milk you for all they can. The more uncooperative and overwhelmed they can make you the better their case is against you.

They tell you they can only accept payment for a certain ungodly amount of money that you obviously can't afford, this ensures you are feeling defeated and trapped. You will either agree to pay them the amount they are demanding and you will default on the agreement or you will avoid contact with them all together. Either way you loose, right? Well that is what they want you to think!

Are they

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