When will you contact my creditors?
Community Credit Counseling Corp. negotiates with your creditors by sending a proposal. This process takes at least 30 days, which is the coordination period, so be patient. The negotiation is essential to the Debt Management Program.
Do I still receive calls from my creditors?
Once enrolled to the Debt Management Program, you might receive calls during first 30-90 days on the program since it takes time for your creditors’ collection department to find out you're with Community Credit Counseling. If you get a harassing call, inform the party to call and speak to our customer service department.
It is obvious that telephone calls from debt collectors regarding your credit card debt can be extremely irritating and in some specific instances the calls can be such an irritant that their telephone numbers have to be switched in order to stop the various debt collection calls.
In some cases these debt collectors have been known to call their place of work as a way of piling on the pressure and stress. Of course, there can be a fine line between legal and ethical debt collection and illegal, unethical or downright harassing debt collection methods, and this should always be kept in mind. On the whole however it is just another reason to connect with a credit counseling or debt consolidation organization to put an end to these sometimes harassing and always irritating telephone calls so that you can put the past behind you and get on with your life without being treated this way, you deserve better than that. Of course, it is also a good idea to know the guidelines that these particular debt collection agencies have to operate under. For example, be aware of 'FDCPA' which is essentially a nationwide law which states exactly what these said firms can and cannot do to you in carrying out their business.
For instance, they simply cannot call you about a debt which you do not owe them. All in all, when the debt collector in question initially calls you about the debt, you are allowed to ask them to verify the debt is in fact your own.
In this particular case, if the debt collector in question is unable or unwilling to provide this proof for whatever reason, then they are simply not permitted to contact you anymore. Having said that, it is recommended that you retain credit counseling or debt consolidation service to solve this issue once and for all.