5 Ways To Stop Harassment through Comenity Bank
The FDCPA which is the Fair Debt Collection Practices Act is here to protect you from Comenity Bank and attorneys. There are very effective ways to handle debt collectors. If you feel your family or company is in danger of day to day harassment, here are 5 ways to stop bill collectors from harassing you. Receive debt relief right away.
Stop Collection Agency Harassment 1
Bankruptcy. When papers are filed for personal bankruptcy this will cause an automatic stay. This stay will stop all collection agency activities for collectors and creditors. They cannot harass you any further unless they get permission from a bankruptcy court.
Stop Collection Agency Harassment 2
Billing Mistakes. Believe it or not, some bill collectors letters can be sent to you by mistake. Errors on your bill can be the account number, the amount due or they can send a bill to you instead of your insurance company. What you can do about this mistake is to write to request a correction for there mistake or mistakes if it is more than one. You have up to 30 days to dispute there mistake and they must stop all collection efforts while this is being investigated.
Stop Collection Agency Harassment 3
Attorney's Letter. If you send a Cease letter which is a letter you will send to the collection agency when you have no money to pay your bill. You must tell them why you cannot pay. If the Cease letter does not work this is when you can send an attorney letter, as long as the attorney answers to the agency's inquiries.
Stop Collection Agency Harassment 4
Complain to a Government Agency. A government agency will not look into a problem right away unless they have a very large number of complaints against the same collection agency. To get professional help you should send the complaint letter to the Federal Trade Commission, Bureau of Consumer Protection, Washington D.C. 20580. Copies of this same letter should be sent to the consumer protection division the state of the attorney general's office. You can get most of the addresses from the local better business bureau.
Stop Collection Agency Harassment 5
Prevent Delinquency. To get debt relief from a delinquent account you must call the creditor and explain your situation. What the creditor does is hire a collection agency, the agency's job is to get you to notice your bill and respond to paying for it. So, this is why if you want to try to get debt relief you must call them on the phone. Hospitals, doctors and dentists are the ones that are fast in turning your bills over to the collection agencies.
Bill Collectors can and will make your life miserable. They make trying to get professional help nearly impossible. Try some of the suggestions that I gave you above.
