When you’re bills are piling up and the phone calls won’t stop debt collection settlement – relief from harassing calls can put an end to your nightmare Portfolio recovery associates.
It seems like debt collectors are relentless; they call you early in the morning, late at night and they have even gotten clever by calling from local numbers to try and fool you into picking up the telephone. One way to prevent these unwanted phone calls is to enlist the help of a debt settlement company. Not only will you get your out of control finances in order but you will also stop the creditors from harassing you.
When you join a debt settlement program you basically hand over all of your creditors to the company. You will be assigned a counselor who will call the individual creditors and attempt to make payment arrangements that fit within your budget. The goal is to make arrangements that you can stick to and still be able to keep a roof over your head and food in the fridge.
Let’s face it, that’s the reason why most individuals stop making payments; they’re faced with a dilemma of paying a credit card bill or paying rent or buying food. The payment is not made for that month thinking you can double up the next month and play catch up, only the catchup month never comes. As a result you now have the creditor calling you as a friendly reminder. You may answer the first time not knowing who is on the other end, but once you realize that they’re seeking payment, you make it a point to avoid that number the next time.
The problem with this is that the calls do not stop and this can be extremely frustrating when you have several creditors calling you constantly seeking money that you do not have.
This is where debt settlement can help. Once you join the program your assigned credit counselor will take over the corresponding with your creditors. If there is a problem they call the company and not you and because most companies set up automatic payment plans to have the funds drawn directly from your bank account, you don’t have to worry about the debt settlement company calling you for payment either.
If this sounds like a win/win situation for you, take a moment and review some of the debt settlement companies out there waiting to help you and stop those creditors from harassing you once and for all.