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OVER YOUR HEAD IN DEBT? GOT THE BILL COLLECTORS CALLING YOU? HERE'S HOW TO TURN THE TABLES AND LEVEL THE PLAYING FIELD IN 2000!
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Okay Boys and Girls. It's not really important how you got yourself in so deep. You're in. Buried. Barely making the minimum payments every month. Maybe taking cash advances? Skipping a bill one month in order to cover the others? It's okay...help is here.STEP ONE: Threatening phone calls getting you down? Then change [and unlist] your home telephone number. Or call your local phone company and ask them about a service [in some markets known as Specialized Ring] that allows you to get a "new" secondary phone number while keeping your existing/old number. The new number will ring differently and allow you to screen your calls by ear and without relying on unreliable Caller ID. Give the new phone number to your friends and have the phone company permanently forward your old number to your new voicemail. Then screen/delete their threats at your leisure.
STEP TWO: Don't let them bully or scare you! Never allow these bottom-feeding debt collectors to force you into making bad decisions on top of an already horrible situation. NEVER send a debt collector post-dated checks. Ever. And don't let threats of a lawsuit or other "legal action" intimidate you. They can't squeeze blood out of a turnip, and Texas is the most debtor-friendly state in the Union. You'll pay them when you can on your terms, not theirs.
STEP THREE: Do you have a budget? Do you have a list of all of your outstanding debts? If not, then get to work and write down all of the info...the good, the bad and the ugly. You'll need to get a handle on this sooner or later.
STEP FOUR: Try to work out settlements with your creditors. If you quit paying them minimum payments every month, you'll be able to build a pool of cash with which to settle. Forget this outdated concept of "showing good faith" by making a minimum payment--or less--every month. They don't care. It doesn't matter. Resolve to play by your rules, as unpopular as they WILL be with your creditors, and control your situation on your terms, not theirs.
STEP FIVE: Worn out with harassing phone calls at home, at work or to your neighbors? Then fire the clowns by invoking Federal Law 95-109, the Fair Debt Collection Practices Act. Click here for your sample letter, or send a self-addressed, stamped envelope to FIRE 'EM! c/o The Debra Duncan Show, 3310 Bissonnet, Houston, TX 77005. [Allow 4 weeks for processing and reply.]
STEP SIX: Don't have the courage or skills to negotiate with your creditors? Then hire your own advocate to play hardball with them! Dover's Choice? Contact me here for assistance and guidance. I'll get you in touch with some attorneys that can help. Attorneys experienced at winning for their clients and negotiating settlements for as little as 10-20 cents on the dollar! ADDITIONAL INFORMATION: If you'd like to learn how to utilize federal law, order your own copy of Ben's #1 best-selling book BACK OFF! The Definitive Guide To Stopping Collection Agency Harassment by clicking here.
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