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If you’re being hassled by a debt collector, there’s probably no way in the world that you’re going to feel sorry for him or her. In fact, you might be so angry you would want to do what some people have done and send the collector a death threat.
It’s not an easy life
I saw an article today titled “Confessions of a debt collector” It makes it clear that the life of the debt collector is not an easy one. These people receive death threats. In fact, being a debt collector can actually be a scary experience. For example, one person who worked in a debt collection agency for 89 days said that he was once left a very bad voicemail by a person who called himself a “straight shooter.”
Debt collectors have feelings, too
Debt collectors are human beings, too. It’s hard for them to not take threats personally. As one debt collector pointed out, the people you call normally don’t have just one problem. They probably have something else going on and may respond by threatening you. People have told debt collectors, “I’m going to find out where your children go to school.” If that’s not a nasty threat, I’ve never heard one.
Not all of them are mean
Can you imagine going to a party, being asked what you do for a living and having to tell the person you’re a debt collector? It’s not exactly a popular occupation. Plus, the only time people talk with a debt collector is when they’re in financial trouble. Many debt collectors try to take a compassionate approach and stay calm and collected. However, as in any occupation, debt collection has some bad apples. Some collectors actually enjoy what they do. They just don’t have what it takes to be nice.
The stigma of being debt collector
Most debt collectors will tell you that the stigma of being a mean, nasty person is incorrect and that 99 times out of 100, it's a misconception. What most debt collectors are trying to do is just put consumers in a better financial situation.
Just part of the job
Debt collectors will tell you that death threats and being cursed at just come with the job. Sometimes people just go crazy when questioned about the debts they had racked up. One was actually told by a consumer that he hoped his children would come down with cancer.
What to do about overly aggressive collectors
You can protect yourself from overaggressive collectors. There is actually a federal law called the Fair Debt Collection Practices Act that limits what debt collectors can and cannot do. For example, debt collectors are not supposed to contact you before 8:00 AM and after 9:00 PM and are prohibited from calling you at work. Of course, the really aggressive ones usually pay no attention to this law.
If you feel threatened or are being harassed by a collector at all hours of the day and night, you can write a letter to the collections office stating that they cease and desist their communications with you. Copy the letter for your file and then send the original version to the agency as certified and return receipt requested – so you an prove the collection agency received it. If this doesn’t do the trick, you can report the agency to your state’s Attorney General or even hire a lawyer and file suit against it.
Settle your debts and end the harassment
A third and better way to stop those harassing phone calls is to let National Debt Relief settle your debts for you. We’ve helped hundreds of families just like yours become debt-free in 24 to 48 months and save thousands of dollars in the bargain. Call our toll-free number for immediate help or fill in the form you will find on the right side of this page to get a free quote.