We are moving into the holiday season and unfortunately for many people this holiday season is not too joyous. For those of you who are being annoyed by debt collectors or harassed by them I am going to give you the StoptheCallsFast 8 commandments:

I. Never speak to a debt collector unless they are working in house for an original creditor.

II. Never give financial information of any kind to a debt collector. You will be sorry if you do.

III. Always send all correspondence to debt collectors by certified mail-return receipt requested.

IV. Never agree to any terms with a debt collector unless they are in writing and only if the terms are legal and acceptable to you.

V. Never, never, never ignore written correspondence from a debt collector.

VI. Never believe anything a debt collector tells you unless it is in writing and you have had it verified.

VII. Never Accept phone calls from debt collectors.

VIII. Always check your credit reports after any initial communication attempts from debt collectors

You can email me at stopthecallsfast at gmail.com with any questions. Have a Happy Thanksgiving and think of what you are thankful for.