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How debt collectors and creditors find you and avoiding it

Quite possibly you owe a debt, yep, you’re a debtor and you’re being hounded nonstop. Just because you owe money doesn't mean you have to sacrifice your sanity or privacy. There are ways to protect your privacy if trying to work with the creditor has gotten you no where. I am going to tell you what they do, how they operate and how to protect yourself. I for one, am not from the “school of thugs” where debtor prison still wins.

If you owe a valid debt you should pay it, but for millions of American's they find the debt collection process a total nightmare. No one cares if you are out of work, overburdened with debt, or are disabled. They just want the money and sometimes at your mental and physical well-being.

Creditors don't usually track debtors down. Their in-house collection procedures go about as far as a few series of letters and phone calls followed up by a few threats to turn the account over to a collection agency.

But what do you do if a collector is calling you at work, sending you mail, calling your neighbors and generally making your life hell? You hide! I know, sounds like I am advocating not paying your debts. Quite The opposite. I've already mentioned that you should pay your debts if you owe them, but if you are unable and can't take the prying anymore, there is hope. You can fight a debt collector with a few tools...

The remainder of this article plus many more credit repair and debt collection defense articles along with the credit repair debt collection success strategies ebook, sample letters (over 40!) are for Members only but it's only a one time fee of $39.95 to gain access to all of that! Membership is lifetime too! Purchase the credit and collections success strategies and receive access to all of our articles, tips and tools. Already a member? Log in.

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Find a FDCPA attorney near you Help understanding the FDCPA Battling the debt collectors and winning	The restrictive endorsement loop: Offering settlements via the Accord & Satisfaction or Restrictive Endorsement More on restrictive endorsements & accord and satisfaction: What's the difference and doing it right Find more related articles in the Credit Library