If you’re finding yourself dreading opening the post or answering the phone in case it’s a creditor trying to contact you then it’s time to take action. You are not alone; this is the point when most of our clients contact us to help with a debt solution, so never feel that it is too late to improve the situation.
How can McAlister & Co help if I’m getting letters and phone calls from creditors?
How can an IVA help if I’m getting letters and phone calls from creditors?
The sooner you act, the better the outcome will be. Get in touch with us for advice on the best debt solution for you and when a creditor calls, you will be able to let them know that you are taking advice from a debt professional and you will contact them in the future.
We are able to deal with creditors on your behalf if you enter into an IVA or a DMP with us, so the phone calls and letters will stop and your various repayments will be replaced with a single affordable payment.
Creditors now have to be much more careful about ensuring that they contact debtors in a fair and reasonable manner and without harassment. As is often the case, communication is key. Creditors will continue to call you and write letters if you do not respond. However, if you answer the calls and reply to the letters, informing them that you are taking advice and you will be in contact, it is considered harassment to continue contacting you on a very frequent basis.