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It
isn’t enough to simply hire a collection agency that doesn’t use underhanded
tactics to attempt to pressure debtors into paying- you need to hire a firm
that utilizes a variety of different tactics to increase the chances of
acquiring the money owed to you. Tactical variety is important for a number of
different reasons.
First,
it can be more difficult for a debtor to lodge a legal complaint against a
collection agency that uses a variety of low-pressure tactics than a collection
agency that hammers them repeatedly with the same tactic. For example, a
collection agency that calls their debtors multiple times a day is a much
clearer candidate than a collection agency that occasionally calls,
occasionally sends a letter, and occasionally makes a personal appearance.
If
an agent repeatedly calls a debtor and that debtor never picks up the phone or
calls the agent back, it’s clear the phone doesn’t offer a viable form of
communication. As such, any agent who persists in calling proves they are
simply attempting to pressure their debtors and isn’t attempting to discover a
legitimate communication channel with them.
On
the other hand, an agent who uses multiple communication channels is more
clearly searching for a way to speak with their debtor about their outstanding
account. As long as an agent uses a varied set of collection tactics within the
bounds of the law, they inhabit a far more legally defensible position.
Varied
collection tactics are also more effective than a single tactic, used
repeatedly, because varied tactics are more difficult to defend against. A
debtor who solely receives repeated phone calls from a collection agent needs
to do nothing more than ignore those calls to wall themselves off from taking
responsibility for their debts. An agent who uses multiple tactics has a
considerably greater chance of getting through their debtor’s defenses and
actually making contact.
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