Have you ever had the experience of being challenged over the phone about money you owe? You have, you no good welcher, remind me never to lend you any money! Just joking, of course. Many of us have found ourselves in the delicate situation of having over committed ourselves financially; it is not a hanging crime, well, not anymore any way. It used to be, there were huge debtor’s prisons in England and Europe back in the day; they took property very seriously in them days. In Charles Dicken’s novels much of the action took place for the characters in these debtor’s prisons in the city. Money was more important than people back then; some folks say nothing much has changed. Debt collectors on the phone: your background or theirs?

When you have one of those dastardly debt collectors on the line, and you can feel their ethereal hands reaching down the copper network for your nether regions to give them a nasty squeeze, what can you do about it? Hang up the phone? Pretend you are a distant relation and your relative has left the country? How much information are you required to provide to debt collectors when they call you? If you’ve defaulted on debts, you may be surprised at how much they already know about you. A bad credit history can prove very debilitating at pivotal life moments. Better you find out what they know and start to fix the problem.

Debt Collectors On the Phone: Your Background or Theirs?

ACM Group are one of the largest organisations of its kind in the debt collecting industry and they have a global network of debt collecting agencies; so there is nowhere to run and hide. A bit like Santa Clause, they see you while your sleeping, and so you better be good and deal with the situation. Debt collectors want to work with you, they want to make arrangements that will help you pay off your debt. Managing debt is as important to them as it is, ultimately, to you. To be free of debt is liberating for you; and your payment of your debt is profitable for them, that is the business they are in after all.

Your credit history is a bit like another version of you in another dimension. A dimension inhabited by accountants, credit managers and debt collectors; and where figures dance on digital screens to the tune of “Santa Clause is Coming to Town”.