Until debt do us part
Posted: Dec 08, 2017
Sometimes, debt collectors have been known to be overly persistent in reaching a person that has an outstanding debt to a creditor.
Once a person falls into debt, it can be an extremely daunting task to try and get out of their financial mishap.
Once this happens, you will begin receiving calls from collection agencies once a day or perhaps even several times a day, especially if you have been successful at dodging their phone calls---making it hard for them to reach you.
Sometimes, debt collectors have been known to be overly persistent in reaching a person that has an outstanding debt to a creditor. They have been known to call other family members and friends of the debtor to make certain that they have the right information on the person (you) they are trying to reach. It would seem that this type of activity on their part would be illegal but they are allowed to do so as long as they don’t reveal that they are attempting to collect a debt from you.
Debt collection pretty much works the same no matter where in the world you live. With that said, debt collection in the Netherlands is basically the same as it would be in other parts of Europe.
These collectors are tenacious as bulldogs when it comes to trying to solicit monthly payments from you in order to clear your outstanding debt. They are not concerned about your welfare or other financial obligations that you may have.
However, if they are not successful in setting up an agreement with you, the next achievement on their list is to see how angry they can make you. And that seems to be the one goal where they win the blue ribbon, "hands down". But as the debtor, there is one thing you do need to realize and that is this---when you are speaking with a debt collector it is not necessarily about you getting out of debt. You do need to be reasonable and agree to pay your honest debt, but not at the expense of neglecting to provide you and your family’s basic everyday necessities.
Most people who engage in conversations with debt collectors either avoid their calls altogether or try and find any kind of way to get the collector to stop calling them. Talking to them once (if you can do so in a civil manner) may help resolve the issue. The debt collector will make an attempt to negotiate the balance of your debt by offering you a deal to pay a portion of the debt in order to close the account.
However, the caveat to that is you have to give them all of the money during the course of the initial call. If you are not able to do so, then they will take a small payment and call you again in 30 days and make the offer to you again. Each time they call the negotiation amount is reduced because your balance has been reduced according to the last payment that you made.
A more accurate way to get a collector to stop contacting you is to write them a letter, telling them not to contact you. Don’t forget to make a copy of the letter for your personal records, (you may need it later), and send the original letter to the collector, via, certified mail. Also, it is best if you pay for a return receipt. This is the only way that you can have the peace of mind in knowing that your letter was actually received.
Once the collector has possession of the letter, they are not permitted to make any more attempts to contact you, unless they have decided to be courteous and inform you that they received the letter and will not disturb you in the future. Or they may also tell you that the creditor will take legal action against you.
So, if you are behind in your payments and have a debt collector nipping at your heels, you will want to do what is necessary in order to stop the calls from debt collection in Spain, or anywhere else in the world.
If you are looking for Debt Collection In Netherlands and Debt Collection In Spain, the author of this article suggests First Collect.
If you’re seeking debt collection in Holland, the author of this article recommends First Collect International.