The most effective way to fight debt collectors is to either pay your bills or
not incur so much debt.
Re: casual observerLet's not be too casual about this. Many
people get into debt due to situations that are out of their control. A medical
emergency for example. Especially for the unemployed and uninsured. This was an informative article.. and useful for anyone who through
misfortune has found themselves in the peculiar situation of juggling their
finances for an extended period of time.
Only in Utah: I thought I would expand on your argument. I have a job, with
fairly good insurance, but over the last few months we have had two unexpected
surgeries occur, one on each side of the new year. If it wasn't for these
unexpected medical bills we would be doing great, but things like this can
really wipe you out.
"The act also allows collectors to contact third parties to locate debtors.
Once the debtor is located, however, collectors must stop contacting third
parties" I have 2 neices who have thousands in debt and used my address and
phone number to do it. I have to deal with harrassing phone calls and letters
daily. While I give these collectors their actual addresses and phone numbers
they keep calling me because my neices won't answer their phones or respone
to mail. The debt collectors just call me back.. I have worked hard all my
life to not be in this situation--but here I am!