For most people, it is easy to feel threatened by the debt collection agencies and get confused about the process of repaying if they are being dunned for delinquent credit card, hospital, and other bills. Below are some ways that a Herkimer NY Bankruptcy Attorney recommends to use to stop the harassing from fair debt collection agents.
You should stop any harassment before it begins. It is important to begin by settling the bill that is very important, without overlooking other bills since they are equally important. Instead of ignoring such bill, contact the creditors concerned and let them understand your reasons for not paying on time.
Before the creditors hire someone to collect the money owed, it will be a good thing if you could talk to them. This will save you the trouble of working with harassing agents that may make your life a living hell.
You should send letters to your creditors telling them not to continue contacting you. The law prohibits creditors from calling you after you have notified them in writing that you do not want them to call you. Telling these creditors to avoid contacting you will ensure you enjoy peace of mind and thus able to come up with a good payment plan.
When you sent them a letter and they do not stop calling you, you should then ask you lawyer to set them a letter on his legal stationary. This why, they will have to communicate to the lawyer when they find out that you are represented by a lawyer.
Another important thing is to set a good payment plan. It is very crucial that you consult with the creditors and let them see you have a reasonable plan for your debts. Remember to stick to affordable amount of money in order to make the entire process easy. Some of the creditors may offer you less interest rates for the money owed. You should negotiate the ongoing loan and you will be amazed to understand they can do some interest rate reduction.
Raise your concerns in case you come across any mistake on the letters. Some collection letters may have some mistakes. You might realize that the amount due is not correct, the provided account number is not correct or you should not be the recipient of the bill issued. You have the right to dispute any letter that is incorrectly written.
You can also ask your lawyer to file for your bankruptcy. This is where the court orders the agent involved to keep off from taking any of your money or assets. The agents involved will only use the court to get permission to collect the money. In case the loan is not secured, it is not possible for the courts to guarantee this permission. This move should take the skills of the legal expert to know if it is going to be beneficial or not.
You should stop any harassment before it begins. It is important to begin by settling the bill that is very important, without overlooking other bills since they are equally important. Instead of ignoring such bill, contact the creditors concerned and let them understand your reasons for not paying on time.
Before the creditors hire someone to collect the money owed, it will be a good thing if you could talk to them. This will save you the trouble of working with harassing agents that may make your life a living hell.
You should send letters to your creditors telling them not to continue contacting you. The law prohibits creditors from calling you after you have notified them in writing that you do not want them to call you. Telling these creditors to avoid contacting you will ensure you enjoy peace of mind and thus able to come up with a good payment plan.
When you sent them a letter and they do not stop calling you, you should then ask you lawyer to set them a letter on his legal stationary. This why, they will have to communicate to the lawyer when they find out that you are represented by a lawyer.
Another important thing is to set a good payment plan. It is very crucial that you consult with the creditors and let them see you have a reasonable plan for your debts. Remember to stick to affordable amount of money in order to make the entire process easy. Some of the creditors may offer you less interest rates for the money owed. You should negotiate the ongoing loan and you will be amazed to understand they can do some interest rate reduction.
Raise your concerns in case you come across any mistake on the letters. Some collection letters may have some mistakes. You might realize that the amount due is not correct, the provided account number is not correct or you should not be the recipient of the bill issued. You have the right to dispute any letter that is incorrectly written.
You can also ask your lawyer to file for your bankruptcy. This is where the court orders the agent involved to keep off from taking any of your money or assets. The agents involved will only use the court to get permission to collect the money. In case the loan is not secured, it is not possible for the courts to guarantee this permission. This move should take the skills of the legal expert to know if it is going to be beneficial or not.
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Find details about the benefits of consulting a Herkimer NY bankruptcy attorney and more info about an experienced lawyer at http://www.toddbennett.com today.
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