![]() ![]() His practice focuses on complex civil litigation, including corporate litigation, real estate litigation, insurance defense and creditor’s rights. ![]() If ever in doubt about the process or if you feel that the debt collector has violated your rights, contact an attorney.Įditor’s note: Ben Branson is a senior member of the Cavanagh Law Firm. Knowing these few simple steps will ensure your privacy and safety. Get as much information as possible and record everything. If you get a call from a debt collector, knowing your rights is critical. There may be fees that have accumulated as a result of late payment so make sure to request an itemized statement of what is owned, including any additional interest, late fees or collection fees. When a debt collector contacts you, request documentation of the original invoices. If they won’t settle, they should be able to at least set up a payment plan. They realize that many debts will and do go unpaid so if they can get even something, they are satisfied. That means that they may take less than the amount owed, if you agree to pay upfront. ![]() Do try settlingĭebt collectors often have the ability to negotiate or settle debts. Write down or record the date, time, company name, address, phone number and the individual’s name that you spoke with as well as the amount you allegedly owe and the name of the creditor.ĭoing this will help keep track of how often they call as well as any conversations or exchanges. It’s important to keep a log of any information and conversations you have with debt collectors. It’s important to maintain a level head and pleasant demeanor.Īgain, they are just doing their job. Whether that may be a lower agreed upon amount owed or a payment plan, they are generally willing to work with you in some capacity. The following is an excerpt from a news article, written by the Ole Seagull, entitled, State enforcement agency admits that Branson Landing kiosk beer permit vague published in the July 25, 2007, edition of the Branson Daily Independent and on line in the Branson Courier under Local News.' For the entire article click here. Work with them to come up with a reasonable solution for both parties. George Jones, Haggard & Friends at The Little Opry Theatre (IMAX Complex) in Branson, MO on Saturday, January 27, 2024. Don’t be unpleasant or combativeĭebt collectors actually do want to help you make good on any goods purchased or services rendered. So, it’s better to address it and find a solution. While our instinct may be to ignore their attempts at making contact, it will not make them or the situation go away, and they may file a lawsuit against you in court. They can reach out to you via phone, email, a letter or even contact you on social media. Don’t ignore itĭebt collectors have a job to do. If you know your rights, you’ll feel more comfortable dealing with these calls when the situation arises.īelow are the dos and don’ts of debt collection. So, if you believe that you are being treated unfairly, you have every right to report it. However, the Fair Debt Collection Practices Act states that they can’t harass, oppress, abuse or deceive anyone they contact. George Jones, Haggard & Friends at The Little Opry Theatre (IMAX Complex) in Branson, MO on Saturday, March 23, 2024. So, while at times they may seem extremely persistent, which can be intimidating, it’s also important to understand that they are not out to make your life difficult. It’s a debt collectors’ job to collect on services rendered. However, according to Collection Bureau of America, approximately 28% of Americans have a least one debt in collections whether it’s credit card debt, student loans or medical bills.ĭebt collection is tricky. To stay up-to-date on police department news and events, connect with us on social media. William Jewell College Curry Library/William E.Debt collection calls are something none of us ever want to experience, and quite frankly, in our world inundated with phishing, scams and frauds, it’s important to make sure the debt collection is also in fact legitimate.įake collectors will demand payment for a debt you don’t owe - perhaps convincing you that someone has accumulated this debt in your name. You can also generate this online, or by downloading this form (PDF).Mercantile Library – University of Missouri-St.Marion County Library District – Palmyra.Curtis Laws Wilson Library – University of Missouri Science & Technology.The Press-News Journal and Lewis County Press, LLC.Please contact if you are interested in partnering in the Missouri Digital Newspaper Project. Integration of content into the Missouri Digital Newspaper site.Vendor coordination for digitization and data creation.By partnering in the Missouri Digital Newspaper Project, the State Historical Society of Missouri will provide: Our goal is to provide a freely searchable database of historic Missouri newspapers from every county. The Missouri Digital Newspaper Program was created to coordinate the digitization of historic Missouri newspapers. ![]()
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