When creditors pass the debt collection efforts to a third party company, you know that you are already in trouble. It means that you have been defaulting on your payments. Whether that is deliberately or you really had no choice because you are in a financial crisis, you need to start doing something about it. Collection calls can make the whole ordeal very vexing. The calls can really turn for the worse because collectors are notorious for being harassing, threatening and downright abusive.
Although the FDCPA (Fair Debt Collection Practices Act) tried to suppress these practices, they are still known to cause debtors a lot of stress so as to force them to pay off their credit obligations. And while the bad collection practices should not be encouraged, you have to realize that these people are just doing their jobs. They have every right to collect from you because you are responsible for the debts that you incurred.
As you exert every effort to not hate collectors, you also need to learn how to deal with them to get the best result after your have paid off your debts.
One of the after effects of debt is seen on your credit score. Depending on your debt relief option, it can get lower than where it currently is. However, you can control that particular effect if you know how to deal with your creditors properly. The bottom line is, you want your credit report to reflect that you debt is either one of two things: “Current” or “Paid”.
First of all, you need to tell your collectors that you have every intention of paying back what you owe. But you have to be honest with them as to how much you can afford. Few people know that they can include in the negotiation the status of the debt in their credit report. When you start paying back what you owe, you can request that the collector revise the entry on your report so that your score will not be as bad as it should be.
Sometimes, the collector will ask you to pay off the debt completely – if you have the funds to support the request without hurting your overall financial health, then pay it off. But you have to request that they remove the whole account from your report altogether. At the very least, ask them to mark it with “Paid in Full” immediately and remove any late payment marks on it.
To make this request, send a formal letter to your collector. Have them revise credit report marks in exchange for your payments. The collector should respond in writing as to whether they will give into your request or not.
The important thing is to deal with your debt the right way and to know what you should expect out of every decision. Do not be scared of collectors because most of their threats are empty anyway. Just make sure that you agree to a debt payment that you can afford. And while your credit score is important, do not overlook the underlying problem that involves your financial management skills.
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