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( ThyBlackMan.com) Tackling debt is difficult. When the problem gets to the point debt collectors are calling, many people decide it’s time to throw in the towel and file for bankruptcy. Although that is an option, it doesn’t have to be the answer. When debt collectors call, there are three steps a person should take. Answer the Call People often avoid calls from debt collectors, but this actually makes the problem worse. The calls continue and increase with time, legal action may be taken, and the stress mounts. When a debt collector calls, answer to make certain the debt is handled properly. For example, if the amount of debt is incorrect, the debtor only has a certain time to have this corrected. Furthermore, the company may offer programs that can help you resolve the debt, but you won’t know this without talking to them. If the creditor doesn’t have a program that meets your needs, look elsewhere

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