If you know me at all, you know that I cannot stand for anyone to be harassed or bullied. Yes, there are deadbeats out there, but there are also good, hard working people who have fallen on difficult times, and just need a break. It’s all well and good to tell someone that it’s their own choices and decisions that got them into a bad spot in the first place, but chances are, they already realize that. Going forward, they’ve probably learned some pretty difficult lessons, but that doesn’t help them with resolution to their current and existing problems.
There are laws and regulations that state what collection actions can and cannot be taken. Consumers DO have rights, and you can stop collection harassment for good. The first step is to determine what money you have coming in, and then create a budget. You’ll want to account for ALL necessities first, and see what you have left over, and then allocate accordingly. Sometimes, you owe more than what you are bringing in, and that’s where you have to make some tough choices. You can call all of your creditors and see what arrangements they are willing to make. Knowledge is power. Be wary of accepting any arrangements, until you’ve had a chance to look everything over, and are certain you can meet the new obligations. If you still can’t pay everything, you need to really evaluate what your options are. Just not paying will only cause the problem to expand, and your stress level to increase. Don’t be afraid to take the necessary steps to stop collection harassment.
The first step to financial recovery is evaluating your situation. Once you have the information in front of you, you can move forward with correcting the problem.