What has been you worse debt collector to deal with? How did you do it and what was your result.
I think this would be useful because we have a few posts on here that show that people are being harrassed by collectors.
1. Educate yourself on the collection laws, they more you know, the more powerful you are. If you get caught by a surprise phone call or letter, take some time to do your research before responding. If it is a letter, you need to act with a five day period or they will assume that you owe the debt.
2. Know the statute of limitation in your state, some junk debt collectors will call and try to get you to send even a small payment, if you do, that will start the statute of limitations all over again.
3. Come to these forums, seek advice and guidance from others who have been there.
You can put them on hold for a day or two, time to do your research. Don't give them the impression that they are in the right or the wrong, just get their information and tell them you will get back to them. Be calm, if they get mouthy or rude, request to speak to a supervisor, you are not trash and don't deserve to be treated like trash.[/i]