Collection attorneys are looking for default judgments.

What are the ways someone with delinquent credit card debt can show weakness or opportunity to an original creditor, junk debt buyer, debt collectors or collection attorneys, and indicate that they probably will not answer a summons?

Passively here is

1) Having a credit report that shows a home mortgage loan, home equity loan and other loans and credit cards being paid on time.

2) Having personal financial information you shared with a credit card bank’s settlement representative used against you later in a court proceeding by their collection attorney.

3) Relying on third party debt managers, negotiators, or settlers to work with creditors and debt collectors on your behalf.  That indicates to the original creditor and/or collection agency that you are vulnerable because:

a. You are not disputing the debt, and you continue to re-contract through a settlement firm.

b. You are not communicating with debt collectors or trying to stop debt collector

yourself

Basic lessons on

how to avoid debt collectors

explained:-

An initial communication from a collection attorney or law firm is not the long arm of the law reaching out to ensnare a “guilty” delinquent credit card debtor.  What it is, rather, is a collection tool probing for weakness and opportunity.It is important to note that in addition to avoiding these perceptions of weakness when trying how avoid debt collectors, you do not want to be obnoxious, aggressive or insulting on the phone or in writing, lest some debt collection attorney makes your case their personal vendetta.

Upon receiving their first collection-attorney letter, every credit card debtor thinks the dominoes are starting to fall.  “Now, it is only a matter of time before I will have to pay this credit card debt, plus interest, penalties and attorney fees.  Or, I may have to file bankruptcy.  I am trapped.  I owe the money.  There is nothing I can do.

This is a wrong thinking caused by fear.  The collection attorney’s goal is to create those fears, but more importantly, he wants to find out if you are a debt collection prospect worth spending time with Learn how to protect yourself against debt collectors rather than learning tricks on how to avoid debt collectors.  In all likelihood a denying, disputing debt validation letter sent CMRRR from you puts you in the not-to-spend-anymore-time-with category.

Get started with my free Seven Dangers of Not Knowing How to Deal with a Debt Collector.