Stop hiding or running away from your
debt collector. There are many ways to prevent your debt collector to call or hunt you. If you cannot afford the service of a debt counselor, learn to negotiate with your debt collectors. Negotiation can definitely help you. How? You must know that every body has his own rights, including a borrower like you. If you cannot really afford to pay yet, inform your collector to treat you fairly. You can write a letter requesting him not to call you again, but you are aware of your obligation and you are still willing to pay.
In addition, do not do anything beyond your capacity, and do not make a promise that you cannot keep. If you are negotiating your debts, don't pay through postdated checks if you are aware that you can't maintain the funds in your checking account. Also, don't narrate your personal story with your debt collector, it won't help you. Your debt collector might not be interested on how did you arrive to millions of debts. Also, avoid disclosing your personal information such as
bank account number, Social Security number, your place of work, etc. In addition, don't panic if your debt collector threatens you. Keeping yourself calm and focused will help you end in your desired outcome.
