In part one I gave you a couple of strategies you could use to stop bill collectors from getting the best of you. I want to now share a couple more with you. One important one is to remember that bill collectors are people just like yourself that are attempting to do a job.

Unfortunately for them and the people they talk to, they are under extreme pressure to collect money. Not only do they get pressure from the owners of the companies they work for but they get pressure from collection managers, collection supervisors, office managers, clients, peers and their own creditors.

If they are not able to meet collection goals on a regular basis they will be reprimanded or fired. I am telling you this so if talk to a bill collector that sounds a little rough or stern, you will not be so shocked.

Another strategy you can use is to never get yourself in a situation in which you are answering questions from collectors that make you feel like you are being questioned by an attorney or police officer. You can create hardship letters that will have even the most experienced collectors wondering what to do.

Another thing you can do to help yourself is to not be so quick to make payment arrangements with bill collectors. Don’t ever forget that bill collectors main goal is to collect money. The sooner the better. Don’t be surprised if they get a little testy when you don’t react so quickly to their requests. If you take your time to analyze your finances before you jump into payment arrangements you will be much better off.