Dave Ramsey's videos have a pretty good lecture about this very matter. Bill collectors are often very vile and hateful; they are trained to be this way even. You have to be smarter than they are though.
A few things about the lesson that I remember is to know your state's/countries laws about when they can and can NOT legally call you on YOUR TIME ZONE, not theirs. I think there is also limitations on how many times that they are allowed to legally call you in a certain time period as well. Demand that they follow these laws and if they don't, record the conversations/phone calls somehow and you can SUE them for breaking the law. You can tell them that you won't tolerate being yelled at and hang up on them if they start violating your rules too.
Know that they can NOT force you to pay them money, even though you should be paying them SOMETHING because you DO owe the company they work for, but it's not right for you and your family to suffer and go hungry because of them either. There are ways to get out of it. Something about a ratified budget form? Also, you have to be able to negotiate.
There's so much more to this, and I highly recommend looking up Dave Ramsey's teachings on this if you or someone you know is struggling with bill collectors and debt.
Is what I say to bill collectors normal?
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Dave Ramsey's videos have a pretty good lecture about this very matter. Bill collectors are often very vile and hateful; they are trained to be this way even. You have to be smarter than they are though.
A few things about the lesson that I remember is to know your state's/countries laws about when they can and can NOT legally call you on YOUR TIME ZONE, not theirs. I think there is also limitations on how many times that they are allowed to legally call you in a certain time period as well. Demand that they follow these laws and if they don't, record the conversations/phone calls somehow and you can SUE them for breaking the law. You can tell them that you won't tolerate being yelled at and hang up on them if they start violating your rules too.
Know that they can NOT force you to pay them money, even though you should be paying them SOMETHING because you DO owe the company they work for, but it's not right for you and your family to suffer and go hungry because of them either. There are ways to get out of it. Something about a ratified budget form? Also, you have to be able to negotiate.
There's so much more to this, and I highly recommend looking up Dave Ramsey's teachings on this if you or someone you know is struggling with bill collectors and debt.