Many consumers who are behind on their bills dread the thought of telephone calls from collectors. Bill collectors can be intimidating, but no consumer should live in fear. After a person files for consumer bankruptcy, these calls are not allowed. If you follow these rules, you can answer these pre-bankruptcy calls with greater confidence even before filing for bankruptcy.
- Be truthful. Lies will surely come back to haunt you. Don't tell a bill collector that "the check's in the mail" if it isn't. Your lie or promise will likely be recited back to you in a later telephone call.
- Take notes. The collector will be taking notes, and you should too. Keep track of what you told them and what they told you. Also, write down the name of the person with whom you spoke and the date and time at which they called. This information will be helpful if you speak with someone from this company again.
- Explain a temporary financial problem. If you're experiencing a temporary setback in your finances, go ahead and explain the situation to the collector. They may give you time to get through your situation. However, you should always keep Rule #1 in mind - tell the truth.
- Admit if you cannot pay your bills. This takes much of the power away from an aggressive bill collector.
- Get help. If you cannot pay your bills, call someone who can help - call an attorney. We'll be glad to give you an initial consultation for free. Call us at 800-578-0922, or let us contact you.
Call our office today and speak to our knowledgeable Orange County bankruptcy attorneys, Los Angeles bankruptcy attorneys, or Inland Empire bankruptcy attorneys.