Q: Will I continue to get calls and collection letters from my creditors?

A. Yes.Most original creditors are cooperative. Usually, the calls will reduce after the original creditor receives a hardship letter from you. Eventually you may still have to put up with their calls for another 30 to 150 days, because it takes time for original creditors to update their records and this varies by creditor. It is important that you review the section on how to handle creditor calls in the program kit you receive as a new client to minimize creditor harassment. You will also need to keep a creditor log of every phone call or letter that you receive from a creditor and report it to us. Once your account has been sold or moved to a collection agency, collection calls can be stopped but MDS must be made aware of the switch while you are in the program. Note that despite our best efforts, there are dishonest collection agencies that will not abide by a cease and desist letter and may continue to call you. This is against the law and you can formally complain should this continue. You should also know that accounts are frequently moved or sold over time. We may prevent one collection agency from contacting you. However, they may sell or move your account to a new agency and the process will have to be repeated to stop any new calls.

• Your settlement coach will help you understand rights under the Fair Debt Collection Practices Act & Debt Collection Laws for your State.

 

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