Will you ever expect to sit peacefully after failing to repay your debts in time? Well, you are bound to get frustrated receiving phone calls and getting emails for the entire day from your debt collectors. In fact, the worst happens when the collection agency takes the entire matter into hands and comes up with unpleasant legal consequences. In fact, if you try to hide things and play games, the consequences will keep worsening.

So, here are some wiser alternatives that can help you stay away from harassments by debt collectors. Let's take a look:

• Get in touch with your creditors - If you want to get a good repayment plan, call your creditors. Avoid consulting third party collectors and rather deal with your creditors directly so that you don't get into more troubles in case you fall behind on payments.



• Know your rights - Although debt collectors have the right to interrogate you regarding your outstanding debts, they are not allowed to insult or use unpleasant words while conversing with you. The Fair Debt Collection Practices Act says that no debtor is allowed to make use of unfair policies to obtain debts from their creditors.



• Write a cease letter - Debtors have the right to write cease letters to their creditors asking them to stop contacting. In fact, it will be considered a crime on behalf of the debt collectors if they try to call their respective debtors at inappropriate hours of the day.



• File for bankruptcy - If you are a debtor and you are having severe debts, it might not be easier to make the payments. In this case, you can always file for bankruptcy, and the creditors will automatically make it a point not to contact you and ask questions related to your debt.



• Be confident and don't hesitate - If the collectors claim to belong to powerful sources like the government or the police, you must investigate and ensure whether they are speaking the truth. There are several fake collectors who might come up with such claims and will therefore try to dupe you. So, whenever they try to harass you, you can ask them to produce their credentials.



• Check your outstanding amount - There are several states where collectors are not entitled to any commission depending on the debt recovered. In fact, you must be aware of it right at the start. So, it is better to check your outstanding amount.

So, you must be now confident enough to stop debt collectors from affecting your mental peace both at work and home. The above suggestions will surely help you ease situations. Good luck!!