Debt collectors, how to guide
Dealing with Debt Collectors
By Michael Curtis
Harley Legal & Collections Ltd
I'm a debt collector. Not a popular career choice, I know, but that is because people don't understand exactly what it is I do. Maybe in the 80's, my predecessors were the big, mean, muscle-heads with shaven hair and tattoo's up to their eyeballs, but creditors have since learned that there is a better way all round for them to get their money back.
The biggest misunderstanding we face is when we have to be honest with people about where their account is heading. If someone has borrowed £10,000, and doesn't repay it, the bailiffs may eventually come knocking. That's reality. If that we're me, I'd rather be told this when I could do something to prevent it. Unfortunately, many people interpret this information as a ‘threat' (‘you're going to send the boys after me!!') as opposed to an opportunity.
In my articles, I'm going to show you how the debt collection process works – what we do, how we negotiate, so you know how to deal with us, and I'm going to do it in plain straight forward language.
It's not difficult – most people I go through are surprised how easy it is, and this is the exact same process expensive ‘Debt Management Companies' employ. Why am I writing this? Believe me, as a collector, I'd much rather be harassing ‘dodgy debtors' who have tried to get away with free money, than be chasing you. It's better for everybody if we can work together to get those pesky collectors off your backs!
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