Dealing with rude debt collectors

So you have been there. You have been called day in and day out by debt collectors just to be reminded of your dues. Well, a lot of them can be very diplomatic at times, perhaps when they’re having a good day, and they talk to you somewhat sympathetically. But there are debt collectors who talk to you with utter rudeness and impoliteness.

Although you are quite admitting to the fact that this affair is because of you, verbal harassment is not such a great thing. Sometimes, these debt collector scenarios can bother you so much that you just hang up the phone, have your line changed or hide ultimately. This is not only because they can be insulting, but also for the reason that you have run out of alibis to tell them, and you know they’re not buying it anymore.

First of all, you still have to face them because no matter how you hide from them, they will find ways to find you. Or worse, the lenders can just sue you for not responding to their demands. To prevent this from happening before long, you can just face your creditors and tell them your situation at hand. This way, they will know that you do not have any intention to be out of sight. However, in terms of handling the debt collectors that keep on calling you, you might as well learn to deal with them without losing your grace, and with a ready smile. Here are some ways:

1.    Always greet them with a nice “Hello!” No matter how rude they respond to you.

2.    Before they speak, tell them that you already know what they’re calling about.

3.    If you’re making alibis for them, make sure they’re credible alibis. Don’t tell them things like, “My dog has colds, I used my money to have him treated.” You see, they do have that sense of smell for some excuses.

4.    Be always cheerful and kind, even when they are boiling your blood out. Most of them like to make people stutter with fear or shrink with shame. Don’t do that favor for them. Instead, be very calm and nice in talking with them.

Debt collectors are just doing their jobs, although the not-so-nice ones can go a little overboard sometimes. For your peace of mind, you may also consider hiring a lawyer or a debt settlement company to stop receiving calls from these debt collectors, and have them directly transacting to your lenders. This does not only save you from the stress of hearing the phone ring. It may also help you clear out all your debts in the first place.  Find out more on how to settle debt

You may also be able to sue a rude debt collector if they do not follow the Fair Debt Collection Practices Act in small claims court for $1000 per violation.