as soon as you get another job, how can you make a creditor stop harassing you after you have already explained to them that you simply can%26#039;t make payments, but will do after you find a job.
I%26#039;m desperately trying to get employment because, well obviously I have to eat and pay rent, but also to get this creditor from giving me a bad time calling me very often. I told him that I%26#039;m really looking for a job and that what can I do? I don%26#039;t have money at the moment.
I%26#039;m tired of this co. of calling me a lot. Maybe I should change my phone number. I just got out of high school and sometimes employers need experience and I don%26#039;t seem to have what they want sometimes.
Any suggestions as to how to get the creditor from bothering me?|||Creditors must follow certain rules in making collection calls, but there is no rule regarding how often they can call you as long as they make their calls during specified hours (no calls after 9:00 p.m., for example).
You are probably not dealing with your creditor, but with a collection agency. The agencies don%26#039;t care how much they annoy you. Depending on how their collectors are paid, they may do better by calling you five times in a row than by calling five different debtors.
If you want to discourage a pesky creditor from calling too often, take his call. Tell him, %26quot;Hold on for a minute; let me grab my checkbook.%26quot; Then put the phone down, grab yourself a beer or a Coke, and return to whatever you were doing. After holding for a minute or less, the guy will hang up. To these guys, time is money, so when you waste their time by making them hold, they will often focus on other debtors and leave you alone for awhile.
Depending on how much you owe, the agency may, at some point, file a claim against you in Small Claims Court. Worst case, it will get a judgment against you. That%26#039;s no big deal because you%26#039;re not denying your obligation; you%26#039;re just saying you can%26#039;t pay now. Keep a record of every call you get from the collector and, if it%26#039;s disruptive, complain to the judge. You%26#039;re not the only one who can%26#039;t pay his bills right now and a decent judge may tell the agency not to call you more than, say, two times a week.
Don%26#039;t change your phone number. That may make it look like you%26#039;re trying to dodge your debt. You just need to give the collector as much grief as he gives you.
I used to work for a large financial services company and had several collectors working for me. The best ones were the nicest ones. They didn%26#039;t threaten or harrass debtors. They showed empathy for the people who were having trouble meeting their obligations. And the nice guys got paid first when the debtor%26#039;s money problem eased up.
Good luck. And have fun with the arrogant SOBs who harrass you.|||pay your bills and the calls will stop|||Keep talking to them. maintain a sense of humor. When you get mad or communication stops, that%26#039;s when they go to court, and you have to deal with that fuzzy lollipop and the costs and hassles attached.|||all you have to do is write what is called a %26quot;Cease and Desist%26quot;
letter. In the letter you request that there is no more
communication in the form of calls or letters. The collection
agency then has the right to call you one last time. Not to
ask you for money but to advise you as to any actions they
have planned. To be sure send the letter certified mail.
That%26#039;s it. Your debt will eventually get passed to another
agency and you will have to repeat the process but it will
buy you some time
