No, I am not going to tell you how to avoid debt collectors calls. I am going to tell you how to avoid getting your file sent to the debt collector in the first place.
Bankrate.com has a great article on what to do before your debt goes to collection.
- Call your lender before you are more than 30 days past due. They have more flexibility at this point;
- Talk to your lender. Do not avoid them. They want to talk to you.
These are two simple steps that can help you avoid debt collectors completely. Of course, once the collectors start calling, make sure you know your rights.