Some useful tips on dealing with debt collectors:

Tip #1:

It has been reported several times that collectors do not pick up DV request. It’s a tough game to play dear. Let’s say it, Bryan is getting collection calls for several days and the collector is claiming much more than what he exactly owes. Bryan decides to send a DV. He managed the contact address of the collection agency after arguing for hours. Then he sent the DV through certified mail with return receipt requested.

Bryan thought once the green slip would return, he will keep it as a proof that he tried to repay the debt, but collectors could not validate it. But man proposes god disposes. They did not pick up the mail; it’s been waiting and waiting for several days.

What to do next? It’s a real problem and I guess many have faced similar situation. I would suggest Bryan to be tricky. Hey Bryan! Why don’t you write “Payment” over the envelope? The collection agency would just have it like anything and the receipt will come to your door step even before you send it, LOL.

Tip #2:

While sending DV, add few lines mentioning not call you at work, or not to call you at all. However, you can specify your convenient time as well.

Some experts have said that, in the cease comm. letter, consumers can notify the collection agency this way: “I would like to deal with the original creditor; I am not comfortable in paying a third party collection agency.” Wow, that sounds great.

Again, remember they will not pick up your cease comm. letter, so be tricky and get it received anyway. Once they sign the receipt, they are bound to obey it. let’s try it and put the feedback here. Best of luck.