Dealing with Tax Debt Collectors

Posted by Rana & filed under Tax & Bankruptcy Law Information.

Imagine coming home from a hard day of work only to find out that you have several different messages from pesky tax debt collectors that just won’t stop hounding you! If you’re someone who doesn’t have to imagine this scenario because you know first hand what it feels like, then you’re not alone! Dealing with tax debt collectors can be extremely frustrating; however it’s important to try to stay calm and keep your cool no matter how difficult it may be.

The Never-ending Collection Calls

No matter what lengths you go to in an effort to avoid tax debt collectors (for examples, by employing clever deviation tactics such as answering the phone by saying “Pizza Hut, can I take your order”), the collection calls will keep on coming so long as you still owe an outstanding tax debt amount. There is absolutely no use trying to run away from tax debt collectors as they always find a way to catch up with you in the end; however you can better deal with them if you are aware of certain steps that you as a debtor can to take to ensure you are not constantly pestered by collection calls.

Make sure you know your rights; a tax debt collector has an obligation to treat you without any form of bias over the phone and should definitely respect your privacy. Additionally, you have the right to contest any debt brought up against you. Do not be intimidated when you’re on the phone with a tax debt collector. It could prevent you from getting important information such as the name of the person you’re dealing with, phone number, fax number, and the total amount of debt in question. It’s wise to keep detailed documentation of all of your correspondences with the tax debt collector, should there be a need to go back and dispute any false charges or accusations made against you. As hard as it may be, don’t get frustrated with tax debt collectors. While it may be tempting to give out false phone numbers and other personal information in an attempt to get them to leave you alone, it in fact only provokes them to further contact you on a more frequent basis.

Prevent Tax Debt

When you find yourself in a heap of tax debt, all you can think about is how to achieve tax debt relief, but what about preventing tax debt all together? There are ways of keeping yourself debt free and managing the debt you have incurred efficiently. Know how to manage your debt to work to your advantage. Remember that the priority debts are those with the highest interest rates. Another method to keep you from being burdened with tax debt is creating a budget for yourself. Keeping track of your expenses is a great way to determine where you can cut costs. Perhaps the greatest way to ensure tax debt relief and prevention and avoid problems with the IRS is to have savings set aside. Unexpected debts should rather be expected as life is nothing if not unpredictable.

Settling your tax debt is never easy and dealing with collectors only adds to the frustration of it all, but handling yourself in a rational manner is completely possible if you remember to maintain your composure and don’t forget that you are entitled to certain privacy rights that cannot be overlooked.

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