Every day more consumers fall behind on their credit card debt payments and leave themselves open to being threatened by credit card debt collectors. Some people simply cannot afford to pay their growing minimum-monthly credit-card debt payment(s), as a result they begin to feel hopeless and guilty.
A few on the other hand, however, realize if they get control of their guilty feelings about their credit card debt, they can begin to put their financial problems behind them.
They understand they can use a proven legal strategy to make the debt collector prove the debt is owed. Denying and disputing an unsecured credit debt with a debt collector, not the original creditor, works, according to Credit Card Debt Survival Guide. This strategy forces the other side to prove their case.
Credit card debt collectors must, according to the Fair Debt Collection Practices Act:
1] Unless the consumer disputes the validity of the debt, the debt will be assumed to be valid by the debt collector and
2] The consumer must notify the debt collector in writing within thirty days that the debt is disputed.
The Fair Debt Collection Practices Act also allows consumers to write to the credit card debt collector stating that they refuse to pay the debt, or that they would like the debt collector to stop all communication regarding the debt.
If a consumer follows this advice and refuses to admit to the credit card debt, by disputing it and denying it, and then writes to the credit card debt collector asking them to cease communications regarding the debt, that may cause the debt collector to decide to collect from other easier-to-deal-with consumers. For them to proceed with the task of recovering this debt, they will need to prove the debt exists by getting copies of original documents from the credit card company and sending them on to the consumer.
For an unsecured, unsigned credit card debt, the first thing a credit card debt collector must do is to get the consumer to admit to the debt; to take ownership of it, to admit "guilt." That one exchange between the consumer and the credit card debt collector sets the tenor for the rest of the debt collection communications between the two. But, if the consumer denies and disputes the alleged debt and forbids further communications, the collector will likely move on to an easy target.
Author Resource:
Matt Highlander wrote the Credit Card Debt Survival Guide . If you are searching for credit card debt relief, read about proven strategies for settling debts and handling debt collectors as well as collection attorneys.
![[Valid RSS feed]](http://www.look4articles.com/images/icon_Rss.png "XML Feed For RSS"){kind=icon}
Category Rss Feed
Print This Article
Add To Favorites
![[Valid RSS feed]](http://www.look4articles.com/images/rss.jpg "XML Feed For RSS")