Notifying the Debtor. 6-6 barring of delinquent debtors from receiving Federal loans.It is your duty to inform the debt collector that you have different waking hours. The "stop contact" or "cease" letter. Remember, it is to the creditor's advantage to avoid bringing in a debt collection agency. Contact your creditor, explain your situation and try to create a payment plan. Usually, creditors will help you catch up. Debt collectors are under strict limits as to what they can do. Debtor to harsh, vindictive or abusive collection attempts. When you have a complaint or dispute with a creditor, lender, credit bureau, or debt collector, it's best to communicate in writing.
Make sure to include a brief description of the problems. Don't forget to ask for a copy of your dispute. Even if you do contact the debt collector or lender, be sure to inform them that it is against their policies to harass, interrogate or threaten to sue you or threaten legal action until you pay them, even though the collector may believe it is within its rights under certain circumstances (e.g. you owe money, and you have not filed a petition for bankruptcy). When you have a complaint or dispute with a creditor, lender, credit bureau, or debt collector, it's best to communicate in writing. Make sure to include a brief description of the problems. Don't forget to ask for a copy of your dispute.
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