How can i avoid debt collectors?

tell them that you put the names of all of your creditors into a hat and pull out the names of the ones that you intend to pay each month...

then say that every time they call and bother you, you take their name out of the hat, so they have no chance of getting paid.

Use a "cease and desist form" which is your legal right, and informs collectors that you know your rights, which are that you did not request nor do you require their services, and if they contact you again that you will file against them. It also tells them that you are willing to negotiate with the original source of your debt, which if you have collectors after you, has already been written off, or sold to collecting agencies. I don't remember which website I got the form from, but you should be able to find it in your search under "Cease and Desist" form to send collections agency. Good Luck! (My collection place halted immediately, never to be heard from again.)

just tell them to F**k off..they can't do anything. If they take you to court, don't show, and you still won't have to pay....

Learn how to manage your money and live within your means.
Move then change your phone number.

Pay your debt! Don't tell them to f**k off as some prat has advised. They WILL get you in the end, and the longer they take to find you the worse it will be. I don't know about US, but in UK you can go to prison for non-payent of even minor things if you keep refusing to cooperate. If you can't pay, be honest and try to come to an arrangement. IGNORING A PROBLEM DOES NOT GET RID OF IT!!

You'll never see them again if you just pay.

I DONT THINK YOU CAN TRULY AVOID THEM BUT THEY ARE NOT SUPPOSED TO CALL YOU AT WORK OR AFTER 9PM IN MOST STATES

pay them and yes they can do something....its called suing and garneshment of either wages or taxes. I had to pay of $35,000 in credit card bills and because I didn't PAY them for like 2 years straight they sued me. They will you too.

FIRST OFF, SETHREBER IS A MORON AND DOES NOT HAVE A CLUE WHAT HE IS TALKING ABOUT.

THE BEST WAY TO AVOID DEBT COLLECTORS IS TO PAY YOUR BILLS. BE A RESPONSIBLE AND PRODUCTIVE MEMBER OF SOCIETY.

HOWEVER, IF YOU ARE TOO LATE TO DO THAT THEN HERE IS WHAT CAN HELP.

CALL THEM AND SET UP SOME TYPE OF MONTHLY PAYMENT PLAN WITH THEM. BE POLITE AND REMEMBER, YOU ARE ASKING THEM FOR A FAVOR, THEY OWE YOU NOTHING AND YOU NEED THEM TO WORK WITH YOU. MOST COLLECTORS WILL HELP YOU AS LONG AS YOU TREAT THEM WITH RESPECT.

IF THEY SUE YOU, DO NOT IGNORE IT. IF YOU DO THEY CAN ENTER A DEFAULT JUDGMENT AGAINST YOU AND THAT CAN LAST FOR OVER 30 YEARS DEPENDING ON STATE AND LOCAL LAWS. ONCE A JUDGMENT IS OBTAINED THEY CAN LIEN YOUR HOME, FORCE YOU INTO FORECLOSURE, TAKE YOU AUTOMOBILE AND SELL IT AT AUCTION, GARNISH YOUR WAGES AND BANK ACCOUNTS, BRING YOU INTO COURT AND QUESTION YOU ON THE STAND ABOUT YOUR INCOMES, ASSETS AND PERSONAL PROPERTY. IT IS A NIGHTMARE AND ALL THE COSTS GET ADDED TO YOUR BILL.

PLEASE REMEMBER TO MAKE YOUR PAYMENTS EVERY MONTH OR THE PLAN WILL BE DEFUNCT AND YOU WILL OWE THE ENTIRE AMOUNT.

SOME OTHERS HERE WILL ADVISE YOU TO SEND A CEASE & DESIST ORDER. IF YOU DO THAT THEN THEY CAN NO LONGER CONTACT YOU ABOUT THE DEBT. WHAT THEY CAN & USUALLY WILL DO IS FILE A LAWSUIT AGAINST YOU. AS SOON AS I RECEIVE ONE I IMMEDIATELY PREPARE THE PAPERWORK AND OUR ATTORNEY FILES THE SUIT. C&D ORDERS ARE REALLY QUITE USELESS BECAUSE IT SIMPLY MEANS THEY CAN'T CONTACT YOU, IT DOES NOT STOP THEM FROM TAKING ADDITIONAL COLLECTION ACTION. IF THE ACCOUNT IS OVER $100 AND THE COLLECTOR IS IN YOUR AREA, THEY WILL SUE. A BILL COLLECTOR MAKE MORE MONEY BY SUING BECAUSE THE CHARGE THEIR CLIENT A BIGGER PERCENTAGE OF THE BILL AND THEN THEY ADD ON ALL THE COURT ALLOWED FEES AS WELL. A $100.00 BAD CHECK CAN VERY WELL BECOME A $1000.00 JUDGMENT AFTER ALL THE FEES AND COSTS. SO, AS A BILL COLLECTOR MYSELF, I WOULD NOT RECOMMEND A C&D LETTER, ESPECIALLY IF YOU EVER WANT TO WORK THIS OUT.

GOOD LUCK!

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