How to Handle Companies and People That Threaten You For Payments
Nasty debt collectors can get their due
Carrying on our recurring theme about life being ‘a jungle out there’ (because it is), you must know how to handle debt collectors and companies that are truly nasty, threatening you with all sorts of things – including bodily harm – to get what they want out of you.
You probably owe money, are late in your payments, whatever, you probably should have never got yourself into the mess in the first place. But then, debt collectors don’t have to turn nasty to exhort the money out of you. They should just turn legal.
And, to be fair, not all debt collectors are nasty – the problem is, they have gotten this reputation somewhere (by being nasty) and sometimes they feel they must live up to the rep, much like Bruce Willis doing Die Hard (or the like) repeatedly. And okay, sometimes they are just plain nasty.
Traumatic and stressful
How to handle this problem? Because let’s face it, it can become a very traumatic and terrible time – get yourself professional legal advice.
You could be in a dark timeframe anyway that due to no fault of your own you’ve landed in a place where things have gone wrong for you. Illness, layoffs, there’s a myriad things that can befall you in life.
The point is that you should never just wish for things to go away. They don’t. Sooner or later you’ll have ‘final notices’ or people hammering on your door. This is when you must get hold of legal advice immediately. Our expert team at Right Cover will take you under their wings and offer you sound, legal advice on how to deal with this event in your life.
For those debt collectors who are threatening, and seem to pride themselves in it, there are laws that protect you and you must know what they are, so you will never feel totally hopeless and unprotected.
There are also legal steps for you to follow to get your creditors from hounding you. You may be refuting the money that you are owing, and in that case, you must get to see the people involved and talk to them about your situation and the money that is involved.
‘Good faith’ payment is essential
You must always remember that to communicate with your creditors is your most vital effort. Just to disappear is not going to solve anything, and if you talk to your creditors and offer to pay something, you’ll be doing the right thing.
Remember, if you pay something, nobody can do anything to you. This is what is known as a ‘good faith’ payment, and it proves your intention that you are serious about doing something with your debt.
There are rules that debt collectors must follow, and all this info you can get from Right Cover. It’s important to note that a debt collector cannot contact you at your employment, can only see you at certain times, and may only acquire your phone number and place of work from third parties.
Now, of course, the nasty and threatening people won’t take any note of this and just do as they please, including harassment at any time of the night, but if you have legal representation, at least you can put a stop to this immediately.