These days, there are many consumers who simply cannot pay the high monthly minimum payments on their credit card debts. Their guilt about that will make their likely encounter with credit card debt collectors all the worse.

A few on the other hand, however, realize if they get control of their guilty feelings about their credit card debt, they can Eliminate credit card debt And begin to put their financial problems behind them.

The first step to overcoming that guilt, according to the Credit Card Debt Survival Guide, is disputing and denying the debt any credit card debt collector, other then the original creditor, calls about. Not admitting to an unsecured credit card debt and denying it is a legal strategy which forces the other side to properly document their claim, or drop it. It is not an indication of character. All it means is that the other side will have to prove that they have a case against you.

A credit card debt collector is required by the Fair Debt Collection Practices Act to send a statement to the consumer with the debt saying that: (1) The debt collector can assume that the debt is valid if the consumer does not dispute the debt’s validity and (2) In order to dispute the debt, the consumer must dispute the debt in writing within 30 days, by sending a letter to the debt collector.

The Fair Debt Collection Practices Act also allows consumers to write to the credit card debt collector stating that they refuse to pay the debt, or that they would like the debt collector to stop all communication regarding the debt.

If a consumer follows this advice and refuses to admit to the credit card debt, by disputing it and denying it, and then writes to the credit card debt collector asking them to cease communications regarding the debt, that may cause the debt collector to decide to collect from other easier-to-deal-with consumers. For them to proceed with the task of recovering this debt, they will need to prove the debt exists by getting copies of original documents from the credit card company and sending them on to the consumer.

According to the Credit Card Debt Survival Guide, for an unsecured, unsigned credit card debt, the first thing a credit card debt collector must do is to get the consumer to admit to the debt; to take ownership of it, to admit “guilt.” That one exchange between the consumer and the credit card debt collector sets the tenor for the rest of the debt collection communications between the two. But, if the consumer denies and disputes the alleged debt and forbids further communications, the collector will likely move on to an easier target.

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