If collectors are calling you 20 times a day why not just get caller id,disconnect your home phone and get a cell phone or a private number.Soon home phones will become obsolete anyway.Thats why collection companys are trying to get a bill passed that would let them use automatic dialers on cell phone numbers.If you have your work phone listed on your credit report or on your credit applications then this wont solve your problem.Send the collectors a c&d letter if the phone calls are driving you crazy or pay your bills.Remember the bill collector does not know you from moses.If you answer the phone or even if they come to your house all you have to say is the person their looking for is not available.If they call your friends or relatives tell your friends and relatives those calls are from telemarketers or scam artist or your a victim of identity theft.Bill collectors are not allowed to mention they are looking for you because of a debt you owe and can only call a third party one time to locate you.If you cant pay your bills remember bill collectors will use every trick in the book to get you to pay.You can use evey trick in the book too if you cant pay your bills.Dont be afraid of bill collectors.What sort of person would want that sort of job anyway.Bill collectors have bills too the only difference is they can pay theirs today.If bill collectors are calling you your credit is shot and will be for a long time even if you pay them something.If you only have one bill collector bugging you for god sake try to pay if you have several that is a different story.When it comes to debt you either pay your bills,file bankcrupcy or try to run and hide.You came into this life with nothing and thats how your going to leave.Sorry about that Donald Trump and Bill Gates.
The first thing that any consumer wants to do is send a validation which includes a notice that communications except via postal mail are inconvenient. The phone is their weapon, the letter is ours...
