How to Respond to Collection Letters Receiving a collection letter is mostly a source of headache to many individuals. It is stressful and has never been a welcomed event. What you need to know though, is that you should never ignore these letters, and contact the debt collection agency as soon as you can. Do not panic though, and try to think clearly before giving them a call. That way, you will be able to give them clear answers about the things you need to tell them. One way of answering a collection letter is by answering it in a professional manner. You need to talk to them in a polite manner, and to not be aggressive even though they seem to be negative towards your pleas. It is crucial, and as the letter is a formal letter of business, you also need to answer in a formal tone that would let them know that you would want to settle the debt.
You also need to verify whether the information written in the collection letter is correct, and if it has wrong information, then it would be a good idea to inform them of the wrong ones that are printed on the letter. It is also possible that they have addressed the
collection letter to the wrong person, so be sure that they have contacted you for the right reasons. If you think, after verifying the data, that you are not supposed to receive the letter, then you must do anything in your abilities to disclaim the letter. Write a letter back to them, and dispute their claims as needed. Afterwards, negotiate with them. Still, remember to act formally, and to negotiate effectively. Remember not to use high tones that would only make matters worse, and to never use emotions as a way of talking to them. You can also offer to pay a certain amount first, then pay up the next ones as soon as you are ready to do so.
About The Author The author is a reliable financial advisor, with many years of experience under his belt. He has been writing articles about debt collection for years too, to give information about it to those who thinks they have problems with debts. Summary We must, in any cases, respond to collection letters no matter what. How should you respond to them, and what is the right way to talk to them?
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Published on Sep 12, 2013
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