Stop Collection Calls - Tell Your Credit Card Companies Off Once and For All
Chances are, if you are like most people, you are struggling to pay all of your credit card bills on time.
Which means you are probably also trying to stop collection calls.
You've probably realized that these collection departments are unbelievably persistent, calling every day and night.
They just won't give up trying to get money out of you that you simply don't have.
No matter what you do to try to stop collection calls, they just won't give up.
The people that call just don't care what you have to say or what your situation is like.
You could be dealing with all sorts of problems - the loss of a job, huge medical bills, family problems - it doesn't matter to them.
They are very persistent and aggressive and their only goal is to get your money.
If you've ever received one of these calls, you know precisely what I mean.
There are really only two ways to stop collection calls: 1.
Give in and pay them - Obviously, if it has gotten to this point, this is not possible.
If you were able to pay them, you would have already done so and the accounts would never have gone to collections in the first place.
Some people will try to borrow money from friends or family to pay the debts, but this just puts you in another debt.
2.
Make other arrangements - In my experience, this is the best way to stop collection calls.
What kind of other arrangements? Most people don't realize that there are programs that can help them regain control over their credit card debt.
Simply put, they basically consolidate your debts, in a way.
They combine all of your debt into one amount and take over the debt from you.
And even if you have a terrible credit history they can still do this for you.
As long as the credit card company hasn't charged off the debt yet, there is help for you.
These programs are normally run by non-profit organizations that are there specifically to help consumers with their unsecured debt.
The best part is that this will stop collection calls for you because once you enroll in the program, they take care of all communication with your creditors for you.
So that means no more collection calls to deal with! One important thing you need to keep in mind is that once the debt gets charged off as bad debt, there is nothing that can be done.
It is too late at that point, even for the non-profit debt relief companies.
So if you are already 30 or 60 days late with your payments you need to act quickly before it is too late.
Don't wait until it's too late to get help or you will end up with many years of bad credit and misery.
You don't have to let it get to that point, but you will have to take action now and get control over your finances.
And remember, by taking action, you will be able to stop collection calls forever.
Which means you are probably also trying to stop collection calls.
You've probably realized that these collection departments are unbelievably persistent, calling every day and night.
They just won't give up trying to get money out of you that you simply don't have.
No matter what you do to try to stop collection calls, they just won't give up.
The people that call just don't care what you have to say or what your situation is like.
You could be dealing with all sorts of problems - the loss of a job, huge medical bills, family problems - it doesn't matter to them.
They are very persistent and aggressive and their only goal is to get your money.
If you've ever received one of these calls, you know precisely what I mean.
There are really only two ways to stop collection calls: 1.
Give in and pay them - Obviously, if it has gotten to this point, this is not possible.
If you were able to pay them, you would have already done so and the accounts would never have gone to collections in the first place.
Some people will try to borrow money from friends or family to pay the debts, but this just puts you in another debt.
2.
Make other arrangements - In my experience, this is the best way to stop collection calls.
What kind of other arrangements? Most people don't realize that there are programs that can help them regain control over their credit card debt.
Simply put, they basically consolidate your debts, in a way.
They combine all of your debt into one amount and take over the debt from you.
And even if you have a terrible credit history they can still do this for you.
As long as the credit card company hasn't charged off the debt yet, there is help for you.
These programs are normally run by non-profit organizations that are there specifically to help consumers with their unsecured debt.
The best part is that this will stop collection calls for you because once you enroll in the program, they take care of all communication with your creditors for you.
So that means no more collection calls to deal with! One important thing you need to keep in mind is that once the debt gets charged off as bad debt, there is nothing that can be done.
It is too late at that point, even for the non-profit debt relief companies.
So if you are already 30 or 60 days late with your payments you need to act quickly before it is too late.
Don't wait until it's too late to get help or you will end up with many years of bad credit and misery.
You don't have to let it get to that point, but you will have to take action now and get control over your finances.
And remember, by taking action, you will be able to stop collection calls forever.