People deal with everyday situations differently. You can say that individuals deal with the situations that they face according to their personal traits and characteristics. It is not right to generalize and expect that people will behave in a certain manner towards specific circumstances.
One thing that you need to realize though is that there would always be difficult situations for you to face. For some, it might not be quite frequent, but the truth is that there is always the possibility that it would happen at some point. It is better that you are prepared for it. Another truth about encountering different situations in life – whether expected or otherwise – is that there is no telling what could happen. It is one of those things in life that makes you realize that there is so little that we could actually control.
There are so many different difficult situations that you could possibly encounter in your life. Sometimes, you might even get to lose track of it and lose count, just because there are and have been so many.
Dealing with Aggression
Dealing with aggression could definitely be counted as a really difficult situation. You might react to it in a passive manner, while others might not. There are individuals who would definitely not take to it too kindly even at the outset and respond in an appropriate manner. Even though you might know how you would react to aggression or aggressiveness that is directed towards, there is still no guarantee that it’s going to turn out that way. The uncertainty could be quite a problem for you and anyone who’s put in that position.
However, if there is a reason behind the aggression, it might change things a little bit. Sure, it is still a situation where you would have to be very careful in the way that you act or talk, but you also need to be more aware in a different way. It is certainly one thing to deal with pointless and unreasonable aggression and having to cope with aggressive behavior that has reason behind it. And especially if you are well aware of the reasons why such an attitude is being directed at you, then you could deal with it better.
Such would be the case if you are having a hard time with aggressive payday loan collectors. You might have borrowed some money in the form of a payday loan, but the aggressive collectors are really making things very difficult for you.
People would get in all kinds of situations because of the need for money; some of those situations might be more difficult than others. Getting a payday loan is just one of the alternatives of those who are a little troubled financially. Sometimes though, payday loan collectors could be quite aggressive.
A Loan is Often Essential
Your need for money is never going to end, that’s the truth whether you want to view it as a challenge, a problem, or plain and simple reality. Living in this world means that you also have to spend and there would inevitably be times when you are not so financially secure. During those situations, you could only look at the choices and alternatives that you have and make your choice/choices from it.
Being in a tight financial situation means that you would go for the best and easiest solution available, at least that’s what you are hoping for. Most likely, you are going to get a loan and if you have to choose from the many types of loan available, then it’s likely that it would be a payday loan.
Get That Payday Loan
A payday loan is ideal for those who have an immediate need of relatively small amounts. Also known as payday advance, it is usually for a short period of time and is considered to be an unsecured loan. The repayment is usually directly tied to the next payday of the borrower, although that is not always the case.
Getting a payday loan means that the borrower needs to be currently employed and can provide evidence of this to the payday lender that he would get the money from. Throughout the United States, the legislation for payday loans varies widely from state to state, and that is also the case from one country to another.
There is some risk that usury would or the charging if unreasonably high interest rates would occur where payday loans are involved. So there are jurisdictions that limit the APR or annual percentage rate that could be charged by all lenders and that includes those that provide payday loans.
An example of a payday loan and the accompanying APR, would be a $15 charge for a two week payday loan that amounts to $200 and the annual percentage rate is at 386%. Still, it must be said that getting a payday loan is a risky endeavor for the borrower.
Dealing With Aggressive Payday Loan Collectors
Now you want to know how to deal with a situation that is a little problematic – when payday loan collectors that you are dealing with are a little too aggressive. Payday loan collectors, especially those who are extra aggressive, could really cause plenty of stress to the borrowers. It would especially be so for those who are still having a challenging time in getting the money for repaying the debt.
The problem with aggressive payday collectors is that they tend to use too much aggression and would be relentless in pursuing you until you have paid off your loan. And we all know that there are some people who do not want to be reminded time and time again – and in such relentless fashion – of their financial obligations, even though it is a loan that needs to be repaid.
The truth is that there are times when the debt collectors would resort to harassing the borrowers and making them pay off their debt. Of course there’s nothing wrong with making them meet their financial obligation to the lender, but going to such lengths as harassing the people involved is certainly not right and could affect people’s lives negatively.
If you are one of the borrowers who is unfortunate enough to experience the aggression of debt collectors, then you already know how bad of an experience it could be. Having a debt through a payday loan is something that you would have preferred to avoid if you could only do so. Being reminded of it in a rather harsh manner only adds to how bad it actually is.
Even though the debt collectors would only make constant phone calls to the borrower, it could still be pretty stressful if they are doing in an overly aggressive manner. They might also do it by making demeaning and disparaging remarks to the borrower, which can really bring a considerable amount of distress.
Borrowers like yourself could use some techniques to somehow keep the payday loan collectors at bay. And it does not mean that you are no longer going to pay off your debt or that you are going to resort to anything foolish at all. You are simply going to do what you have to do in order to deal with it properly.
Be Aware of Your Rights
You have to be aware of your rights. That’s probably the best thing that you could do in order to deal and cope with what the aggressive collectors do. Some collectors actually resort to deception, so you need to be able to inform yourself of your rights and the exact laws in your state that governs payday loans. By being informed, you’d be able to defend yourself from undue aggression and even from deception.
Remember that everything has to be recorded and having that would serve as additional protection for you. It would be best to record every single thing that the payday loan collector tells right from the start. This means that you have to record what he tells you from his very first call. If and when you happen to have any agreement with the collector, then you need to write everything that you have agreed upon on a piece of paper and then keep or file it. You could treat as some form of evidence that you could use later on if the situation already calls for you to do so.
Ask Help from a Lawyer
If the situation continues to deteriorate and the collector continues doing things that are already beyond what is acceptable, then it would be better for you to contact and then consult a lawyer. It might or it might not lead to your filing a lawsuit against the collector, but the important thing is that you are ready and being in contact with a lawyer is your assurance of that. And if you have been able to gather enough evidence to show that the collector has gone way beyond what his role should be and is already causing severe disruptions in your life, then you could and should take proper action.