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The Fair Debt Collection Practices Act- More Tips For Debtors
The key for debtors is to do what they can to assure they will get the best settlement out of the negotiation. It is important to stay above the emotional mud slinging. It is true that debt collectors use a certain tone, which makes many people feel like they are being talked down to. They use invalidating statements to make debtors feel bad about what has happened. When one’s failings are brought up to them, one can feel contrite and willing to make up for what they’ve done or failed to do. This moves a debtor into a more malleable position to negotiate a settlement. But that’s the auto pilot strategy many debt collectors follow. They will try to make debtors feel like a humiliated little kid who should be ashamed. The debt collector assumes debtors are just running from their bills. Naturally the debt collector feels they have to be the bad guy to make debtors stop running from their “crimes”. They hope to bombard debtors and make them feel that they should be paid first. Sometimes abusive debt collectors will use scare tactics to ensure they get paid. But debtors can change the game. If one comes across as the person who isn’t running away, not in denial or someone who has a plan and would like to hear the collection agencies offer right away, the dynamics of the conversation change. Now debtors can run the negotiation. Debtors should listen for the best offer and get the initial payment down as low as possible. A payment should be one that is affordable and agreeable. Repeating the payment plan that is possible may be one way to get abusive debt collectors to understand. Debtors should tell them they would rather agree to something that they can pay rather than lie to them and renege on the agreement later. Debtors should set the script for the conversation and take control. Abusive debt collectors will continue to abuse, continue making harassing calls, and continue to make threats unless consumers take a stand. There are protections that are given to debtors under the Fair Debt Collection Practices Act. Understanding that sometimes dealing with them alone is not enough to stop them is crucial. Debt collector abuse can be stopped. Norman Taylor & Associates are consumer advocates who have handled over 8,000 consumer cases. The best possible solution when dealing with abusive debt collectors is the assistance of a firm that is experienced in the Fair Debt Collection Practices Act. Norman Taylor & Associates can be contacted at 800-768-7227. About Norman Taylor & Associates – Consumer Advocates Norman F. Taylor and Associates have been assisting consumers since 1987. At Norman Taylor & Associates, the goal is to provide clients with the highest quality of legal representation. The firm and its associates are experts in both the debt collection laws – the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). They can provide you the help you need to end debt collection harassment and bring you peace of mind. They represent consumers all over the state of California. With a twenty two year history of successful cases, Norman Taylor & Associates has established their reputation as a firm of consumer advocates that get the job done. Article Directory: http://www.articledashboard.com Norman Taylor studied engineering at Arizona State University as an undergraduate. He attended Glendale School of Law, graduated and passed the Bar in 1986. Aside from advocating consumer rights he volunteers for international human rights efforts and sponsors drug education speakers in the public school system. For more information about the Fair Debt Collection Practices Act visit www.stopdebtcollectorsnow.com. |
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