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Many consumers, who cannot afford to pay high monthly minimum credit card debt payments and cannot afford to settle those debts, condemn themselves with their feelings of guilt to being tormented by credit card debt collectors.

A few on the other hand, however, realize if they get control of their guilty feelings about their credit card debt, they can 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 can be compared to invoking the Fifth Amendment. It is not an indication of character. All this 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.

2] The consumer must notify the debt collector in writing within thirty days that the debt is disputed.

The Fair Debt Collection Practices Act also allows the consumer to notify the credit card debt collector in writing that the consumer refuses to pay the debt and that the consumer wishes the debt collector to cease further communication with the consumer with respect to the debt.

By taking the action of disputing and denying a credit card debt and then requesting that the collector stop all communications, you have made the debt collection effort harder. The collector must return to the credit card company to obtain documents which they then have to forward to alleged debtor. They have to validate the debt with copies of original documents according to the Fair Debt Collection Practices Act.

With an unsecured, unsigned credit card debt, a debt collector has to get the consumer to admit to owing the debt. Effectively they need an admission of “guilt”. The initial exchanges between consumer and the credit card debt collector set the tone of all communications between them. If a consumer denies and disputes the alleged debt, and also forbids further communications, often the collector will look for an easier target.

Matt Highlander spent months researching strategies for credit card debt relief. Read his complete 230-page Credit Card Debt Survival Guide

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