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Our Debt Consultants will be in touch with your quote as soon as they receive your submission.

Afraid to Answer the Phone? Debt Consolidation Companies Can Help

Debt consolidation companies know that people in debt lead stressful lives. If you�re like many who have fallen behind on payments and feel trapped by debt, even hearing the phone ring can cause anxiety, shame and frustration. You know that it�s a bill collector on the line demanding to know why you missed yet another payment and what you plan to do about it. Professionals at debt consolidation companies hear this story all too often.

When the Calls Never Seem to Stop

Constant calls can cause embarrassment. Who wants to return home from an hour-long appointment to hear your babysitter report that a bill collector called three times? And no one wants to jeopardize a job by receiving a multitude of calls at work. Although it sometimes feels like you will never get out from under your financial burden, it is possible.

Debt Consolidation Companies Know How to Help

Skilled and experienced in dealing with creditors and collection agencies, debt consolidation companies can alleviate your stress by communicating with debtors. They can negotiate with collectors on your behalf to get the calls to stop. Most importantly, debt consolidation companies will work with you and your debtors to create an affordable payment plan that reduces your monthly bills and overall debt.

Fair Collection Practices Support Consumers

Because you owe them money, you might think that you are at the mercy of collectors� calls. However, you do have rights. Debt consolidation companies are well versed in the Fair Debt Collection Practices Act, which outlines approved methods and guidelines about when and how debt collectors can contact you by phone:

Collections calls are not allowed before 8 a.m. or after 9 p.m.
Once they have been notified that your employer disapproves of the calls, collectors can no longer call your place of employment.
Collectors are not allowed to harass or abuse you in attempting to collect a payment.
False statements that imply your debt is a criminal offense are prohibited.
When attempting to collect a debt, unfair and devious practices are forbidden.
Collectors cannot conceal their identity to try to get information over the phone.
If you send a written request for them to stop calling as you are working out a plan for payment, collectors can only call you one additional time.

This does mean that you are not responsible for addressing your debt. However, debt consolidation services can find solutions that are most beneficial to your situation.

Feel Good About the Phone Again

In difficult financial times, it can seem like you will never be free of debt. However, there is hope. Debt consolidation services can provide a solution for you by reducing your debt, lowering your payments and getting the calls to stop. You don�t need to feel like a prisoner of your debt, fearful every time the phone rings. Debt consolidation companies can help you reorganize your finances and help you to break free from the anxiety and stress of your debt.