Get Debt Free | Bankruptcy | Debt Consolidation | Specialist

• Use physical force;
• Harass or threaten you;
• Mislead or deceive you; or
• Take advantage of your disability or vulnerability.

If you have been contacted regarding a debt you don’t believe is yours you have a right to dispute the debt or the amount of the debt.

When you make a reasonable request, debt collectors should be prepared to give you account information and copies of contracts.

Be aware a debt collector may contact you for a debt you may have paid in full. In this case explain to the creditor you have paid this debt and offer supporting documents to prove payment has been made.

Creditors will often agree to an extended period for repayment if you are struggling to make a payment.

You may be able to negotiate a lump sum full and final offer with the creditor.

When you are offering a payment plan please much sure the repayment is sustainable given your budget as expenses may increase in the future.

It is important to keep good personal records.

Remember the following tips:

• Keep all your receipts or other records of payment and copies of any letters you send to any debt collector or creditor.
• Keep all your records together to avoid losing anything.
• A debt collector should not visit you at your workplace unless you request them too.