Chapter Twelve
But Wait! Even If I Hire Help,I'll Still
Have to Deal With Creditors Sometimes
Page 1 of 6
And it's true. So how should you behave? Should you treat that debt collector with the kindness you'll hope he returns? In a word, no. But neither should you treat them as unprofessionally as they'll often treat you.
The best way to remember how to deal with creditors when you're getting professional assistance with credit correction: adopt a "litigious" mindset. No, you'll probably never go to court, but that litigious mindset (and we'll shortly explain that fully) may save you much heartache, and maybe even real money, down the line.
A few tips:
- Never approach creditors as if they share your goal. Hint: they don't. You're a nuisance. You take up valuable time that could be better spent on more productive endeavors -- like collecting money that you may not even owe them. Again, creditors don't want to bother with you. Nobody there wants to hunt for the right form to modify or delete the credit bureau trade line by hand. Even worse for the creditors, such action may require learning something new because usual credit bureau reporting is done by computer rather than by human beings. It's hard to provide customized responses to credit correction issues. Most employees of credit companies will not want to mess with you.
- Don't be impatient. Just because your credit correction lawyer sent a letter, don't think you should follow up with a friendly phone call a week or two later. Credit correction takes time. It's important to remember that it doesn't matter if the credit companies respond or not because IT'S ALL GOOD. If they respond quickly, that's good. If they don't respond quickly, then the next legal intervention may well hint at further violations of your civil rights under federal law. Either way, by remaining patient (and not gumming up with process with your own friendly telephone calls or letters), you'll remain in control.
- Credit Revolution: Path of the Smart Consumer
© 2007 John C. Heath, Esq., Dr. Randy Padawer, Jayson R. Orvis. All Rights Reserved.
Published by Far Cliffs Multimedia, LLC
*Important: While the testimonials and other information on this website may be exciting, Lexington Law promises only to perform the steps we've agreed to in each client's case and to charge each month only for steps already completed. As with any legal work, no outcome is promised. Your results will vary. **The number of items removed represents the combined removals for all three credit bureaus. For example, if a single questionable negative item is removed from all three credit reports, it is counted as three separate removals.
© 2010 Lexington Law®. All rights reserved. John C. Heath, Attorney at Law, PLLC, d/b/a Lexington Law. Lexington Law is a group of law firms that may also be referred to throughout this site as "Lexington," "Lexington Law Firm," "we," "us," or "our firm". The number of items removed represents the combined results of the group.