Although I was in the collection industry over two decades, some things have never changed. Regardless of the nationality of debtors, income levels or whether they are male or female, thousands of people did and continue to do the following things when it comes to getting sued over delinquent debt. Here are some examples.

• They don’t open their mail and therefore end up getting sued.
• They tell bill collectors where they can go. That is a polite term for a place that many people deem as eternal damnation.
• They never answer or return collection calls.
• They move or change their phone number and do not update their contact information.

It is estimated that 80% of people get sued for the previous reasons. The other 20% get sued because they refuse to make payment arrangements or explain why they are unable to pay. Here are some simple things that people can do to avoid from being sued.

• Communicate with bill collectors. If you get all your information about bill collectors from the Internet, you might get the impression that they are monsters in human bodies. Although you may encounter one of the small number of collectors that operate outside the law,  I guarantee you that you will encounter similar problems with people in other industries.
• Open those letters. You might get a settlement offer that will benefit you.
• Explain why you need to make payment arrangements that will benefit you.
• If you have several accounts in collections and you have limited resources, tell each firm what you can pay and why you can only pay that amount. You might be surprised to discover that the collectors are not werewolves that act weird when a full moon comes out.

If you know someone that is being sued for one of the previous reasons, let them see this message. As you can see, most people can avoid being sued. If they would just stay calm and look at their situation objectively, they could not only avoid being sued but also avoid a judgment or garnishment that may occur. If you would like answers to other collection and credit issues go to www.tiredofbillcollectors.com or call Charles at 313-744-5977. Your trusted voice in helping you fix your collection and credit problems is signing out.