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Decline countersign collector

hi i'm mark silverthorne i hope you enjoyed this video today we're going to talk about how to avoid collection calls this is a an issue that can really upset people i mean nobody wants to talk to a bill collector and when i was a lawyer representing consumers i would literally have people crying on the phone after they had spoken to a bill collector let's canvas the reasons why you might not want to speak to a bill collector number one you may not be emotionally prepared to speak to a bill collector at the present time and secondly these calls not only can be a nuisance they can be annoying and they can be very upsetting and finally it's important that if you're going to address your debt situation in some way by dealing with your creditor or its collection agent that the interaction that you have with them is at a time of your choosing and that's because you're going to be making better decisions i'm going to talk about some of the various ways that you can deal with this issue of avoiding collection calls number one you can change your phone number if you do change your phone number it's important that when you give it out to friends and family that you tell them not to give your new phone number out to anyone and it's also important that you do not apply for credit after you have obtained your new phone number because bill collectors will have access to your credit report and they may have access to your new phone number number two i'd like to talk about screening your phone calls and there's three ways that you can do that you can do it through technology you can have other people screen your calls and you can screen your own calls by essentially pretending to be somebody else so let's talk about technology you can use voicemail let all your calls go go to voicemail and then just return the calls that you want if you've got call display you can be selective in terms of what calls that you answer you know bill collectors their phone numbers will say uh unknown or private number now let's talk about screening your calls if you're getting calls at home you can have another family member answer the phone and simply take messages but not hand the phone to you unless you know you know who who it is if a collector calls you then you can pretend to be somebody else if you're called at work you can pretend to be an assistant or a colleague of yourself and not identify yourself and just say you'll take a message and give it to the person if it's a call at home then you can pretend to be somebody else and say you'll leave a message for the verse now the third scenario that i want to talk to is the scenario...