When Do Collection Calls End: A Comparison

COMPANY

QUOTES FROM THEIR FAQs
(collected 10-27-2006)

Time you will deal with collectors AFTER you enroll

In Charge Debt Solutions
Q. How do I deal with collection calls?
A. As promised, the collection calls will eventually stop. However, in some cases it takes approximately three consecutive payments from InCharge, on your behalf, before the calls stop completely.

3 MONTHS

Care One Credit Counseling
Q. Will a debt management program stop collection calls?
A. Collection calls usually stop after the third consecutive payment on the debt management program. If you continue to receive collection calls after your creditor has posted three consecutive payments, please contact us by e-mail with the name of the creditor and the last four digits of the account number to allow us an opportunity to investigate. Please keep in mind, your creditors are often large, complex organizations; sometimes the department that is calling you has not been notified about your enrollment status.

3 MONTHS OR MORE

Zero Debt
Q. When will my creditors stop calling me?
A. We notify your creditors and demand they stop contacting you upon your enrolling in the program. It usually takes about 30-60 days for them to stop contacting you.

30 - 60 DAYS

Provanta Corp Debt Relief
Q. Will I continue receiving calls and letters from collectors and my creditors?
A. Yes. However, the number usually declines over time.

How long is "time"?

Debt Counseling Corp.
Q. Once I enroll in the Debt Management Program, will creditors still call me looking for payment?
A. Within three months of making three consecutive, on-time payments on our Program, most accounts will “re-age” and will be brought current.

3 MONTHS

Credit Advisors
Q. Will debt management stop creditors from calling?
A. Once the creditor receives notification from the credit counseling service and makes note on your account of your intention to repay your debt through the DMP harassing phone calls from collectors will stop. This process can take anywhere from 30 to 90 days depending upon the creditors’ policy.

1 to 3 MONTHS

Christian Debt Consolidation
Q. Will I still receive harassing phone calls?
A. It might be possible in the first several months, since it takes time for your creditor's collections department to find out you're on DMP program with our agency. If you get a harassing call, inform the creditor to contact us.

3 MONTHS OR MORE

Clear Debt Solution Q. Can Clear Debt Solution stop creditors from calling me?
NO. Your creditors have every right to try and contact you in order to collect a debt. However, we have been successful in eliminating most harassing telephone calls. If your account is in collections; collections agencies have to adhere to the FDCPA Guidelines. If you would like to learn more go to: Fair Debt Collection Practices Act
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The REAL SOLUTION:

DAAN equipped companies If you have a particular debt relief agency in mind, check their FAQs. If they don't have an answer about how long collection calls will continue, call them and ask. If they tell you to just refer all collectors to them, this means "you handle the calls". That will prove to be a less-than-pleasant experience when friends or family are present. Or, simply choose a DAAN-equipped company and relax!!! 2 SECONDS!

COMPANY	QUOTES FROM THEIR FAQs (collected 10-27-2006)	Time you will deal with collectors AFTER you enroll
In Charge Debt Solutions	Q. How do I deal with collection calls? A. As promised, the collection calls will eventually stop. However, in some cases it takes approximately three consecutive payments from InCharge, on your behalf, before the calls stop completely.	3 MONTHS
Care One Credit Counseling	Q. Will a debt management program stop collection calls? A. Collection calls usually stop after the third consecutive payment on the debt management program. If you continue to receive collection calls after your creditor has posted three consecutive payments, please contact us by e-mail with the name of the creditor and the last four digits of the account number to allow us an opportunity to investigate. Please keep in mind, your creditors are often large, complex organizations; sometimes the department that is calling you has not been notified about your enrollment status.	3 MONTHS OR MORE
Zero Debt	Q. When will my creditors stop calling me? A. We notify your creditors and demand they stop contacting you upon your enrolling in the program. It usually takes about 30-60 days for them to stop contacting you.	30 - 60 DAYS
Provanta Corp Debt Relief	Q. Will I continue receiving calls and letters from collectors and my creditors? A. Yes. However, the number usually declines over time.	How long is "time"?
Debt Counseling Corp.	Q. Once I enroll in the Debt Management Program, will creditors still call me looking for payment? A. Within three months of making three consecutive, on-time payments on our Program, most accounts will “re-age” and will be brought current.	3 MONTHS
Credit Advisors	Q. Will debt management stop creditors from calling? A. Once the creditor receives notification from the credit counseling service and makes note on your account of your intention to repay your debt through the DMP harassing phone calls from collectors will stop. This process can take anywhere from 30 to 90 days depending upon the creditors’ policy.	1 to 3 MONTHS
Christian Debt Consolidation	Q. Will I still receive harassing phone calls? A. It might be possible in the first several months, since it takes time for your creditor's collections department to find out you're on DMP program with our agency. If you get a harassing call, inform the creditor to contact us.	3 MONTHS OR MORE
Clear Debt Solution	Q. Can Clear Debt Solution stop creditors from calling me? NO. Your creditors have every right to try and contact you in order to collect a debt. However, we have been successful in eliminating most harassing telephone calls. If your account is in collections; collections agencies have to adhere to the FDCPA Guidelines. If you would like to learn more go to: Fair Debt Collection Practices Act	??????
	The REAL SOLUTION:
DAAN equipped companies	If you have a particular debt relief agency in mind, check their FAQs. If they don't have an answer about how long collection calls will continue, call them and ask. If they tell you to just refer all collectors to them, this means "you handle the calls". That will prove to be a less-than-pleasant experience when friends or family are present. Or, simply choose a DAAN-equipped company and relax!!!	2 SECONDS!