Credit repair offers a range of strategies for dealing with collections. Never again do you have to feel intimidated or harassed by collection letters or calls. Credit repair offers a dynamic approach to managing these difficult events effectively. These valuable credit repair techniques revolve around the legal leverage written into the Fair Debt Collection Practices. The law provides powerful responses to situations that many people face in the aftermath of financial difficulties. Without knowledge of your rights you may feel lost and helpless. But with these credit repair tools in hand you will be able to face down collectors with complete confidence and even gain the upper hand.

A Quick Response Can Pay Off

The moment of truth arises for most people with the receipt of a collection letter. Collectors are required to send a collection letter prior to reporting the account to the credit bureaus. Many people are so frightened by these letters that they ignore them and miss a golden credit repair opportunity to keep the account off their credit report and maybe even be rid of the collector once and for all. The Fair Debt Collection Practices Act requires collectors to validate a debt if you request it within 30 days of the date of the collection letter. If the collector cannot validate the debt they must not report the account to the credit bureaus and they must cease all collection efforts. But remember that you must request validation within 30 days.

Cantankerous Collection Calls

Collection phone calls add another dimension to the collection process, and it is not a pleasant one. Collectors are trained to be emotionally effective on the phone. Their words and demeanor are both calibrated to intimidate. But fear not, as there are very effective credit repair strategies for managing these uncomfortable phone calls. Collectors are not allowed to call you during business hours if you tell them that your boss does not approve, so it is easy to eliminate daytime collection calls with a quick avowal. One of our favorite common sense credit repair solutions to the aggressive collection call is to simply tell the collector that you do not discuss your finances over the phone. Just politely ask them to send you something in writing, and tell them that you will look into it and get back to them. They will fight to stay on the phone, but stand your ground and they will send a collection letter. And then you can send a validation request.

The Attorney Resolution

If you really do not want to deal with these issues and have the means to hire an attorney you can be rid of collectors in a matter of minutes. Once you tell a collector that you have an attorney they must ask for the attorney contact information and henceforth deal only with the attorney. This credit repair technique serves another purpose. Collectors will not use the same intimidation tactics with dealing with attorneys, and if their case is weak or they know that they do not have all of the documentation that an attorney would demand, they might never contact the attorney at all. And that is the end of their presence in your life. A happy moment indeed!

Jim Kemish is the president and founder of Sky Blue Credit Repair, a leading credit repair service. Sky Blue Credit has been dedicated to providing intelligent customized credit solutions since 1989.

Technorati Tags: , , , ,