Smart Solutions for Dealing with Debt Collectors

Having a debt fall into collections can be scary; especially if you’re not sure you can afford to pay what you owe. Many people feel embarrassed when this happens and because of that they choose to avoid or ignore the calls and letters they receive from a collection agency. Out of sight out of mind, right? The good news is you’re not alone. According to a study conducted by the Urban Institute in 2014, “77 million Americans—35 percent of adults with credit files—have debt in collections”. For such a common problem, there has to be a better way to deal with it. Ignoring the debt won’t make it go away, but you can learn how to effectively and responsibly deal with debt collectors.


  1.  Understand that the debt collector is just doing their job. Collection agencies get a lot of criticism these days, but it is important to remember that the debt collector is a person just like you. They did not single you out to try and make your life difficult; they are just trying to do their job and provide for their family.
  2.  Know the law. Part of the reason debt collectors are under fire is because there are some less than ethical agencies out there that do not “follow the rules”. Make sure to read up on the Fair Debt Collection Practices Act (FDCPA) to know what they can and can’t do. Knowing your rights will give you the power to stop debt collector harassment and assure that your debt is dealt with justly.
  3. Check the facts. If you do not recognize the debt in question or just want to confirm the amount owed, you have the right to ask for written verification. Upon request, the debt collector is required to send you an official written notice through the mail containing all the information about the debt they are trying to collect.
  4.  Don’t give the debt collector the cold shoulder. Ignoring your problems never solved anything. If you choose to dodge phone calls and ignore notices, the collector may have to use other means to get in contact with you. In extreme cases, this can even lead to legal action.
  5.  Work together to devise a plan. A debt collector’s job is to recover the money a collection agency is owed. If that means working with you to develop a manageable payment plan, they are usually more than willing to oblige. Talk with your collection agent to see what options may be available.
  6.  Use your negotiating skills. Cash in hand is a powerful negotiation tool. If you are able to pay a reasonable portion of your debt in a single transaction, your collection agency may be willing to accept a settlement. They receive valuable cash flow and you get part of your debt forgiven in return. Click here to find out more about Debt Negotiation.
  7.  Finally, don’t get emotional. While having a debt in collections can be an emotionally trying experience, when you are dealing with debt collectors you should try your best to remain calm. Remember that this is a business transaction and keeping your emotions in check will allow you to think clearly in order to devise a solution.

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Reporting Analyst

Job Responsibilities:

Develop creative solutions for real-time issues in support of the Processing departments and Client Services.
• Create and Manage the execution of Project Plans. Determine prioritization of project plans with the Director of Client Services and execute.
• Perform account research and analysis as necessary, while utilizing the department ticketing queue or in response to email correspondence.
• Add efficiency and effectiveness to the general process flow by identifying process gaps and opportunities for greater performance. Use SQL and VB in tandem to meet these greater performance goals.
• Design and implement validation controls to improve functionality of client interfaces.
• Automate reporting deliverables wherever possible to improve timeliness and accuracy.
• Coordinate with Shared Services departments to improve process flows, provide accuracy and efficiency gains, and improve the standard of processing for an improved ERC service level.
• Partner with Information Technology to improve ERC technical performance wherever possible.
• Assist department leadership with User Acceptance Testing, Monitoring, and general process maintenance.
• Follow all standard operating procedures while communicating process failures and potential improvements to your team lead or manager. Update version history where required to ensure accurate process documentation, per ERC guidelines.
• Research and reconcile client requests and issues that are communicated directly to you, the department distribution list, or the department ticketing queue.
• It is expected that all ERC employees represent the highest level of professionalism, understanding that he or she will always be expected to act legally, morally, and ethically.
• Other duties as assigned.

Skills, qualifications, and other requirements:


• 1+ years’ experience in related field.
• Proven organizational skills and demonstrated proficiency with SQL and VB.
• Demonstrated ability to research and resolve reporting breakdowns or create efficiencies through automation of process via macro-enabled documents or SQL tables.
• Understanding of project management and accounting procedures.
• Knowledge of industry standard financial software.
• Expert level understanding of Microsoft Excel.
• Attention to detail a must.
• Ability to communicate effectively with all levels of management and clients


Associate degree in a related field

Order Management Specialist

Job Responsibilities:

Order Entry/Data Entry
● Process order entry transactions as directed by customer account manager(s), including manual order entry, order copy, order line changes, terms changes, etc. aligned to Logitech OM and SOX processes and guidelines
● Data entry into Excel/Google docs as specified in the process(es)
● Generate and format order management and/or shipping reports as needed by customer supply chain department
● Produce daily summary of all transactions processed for audit/inspection by Logitech
● Monitor email and respond timely in high volume environment
● Provide support for shipment tracking

Skills, qualifications, and other requirements:

● 2 years minimum Oracle order entry & reporting experience required
● Computer proficiency in email environments, MS Word/Excel/PowerPoint & Google Apps.
● Excellent English written and verbal skills

● Strong interpersonal communication skills
● Team-player
● Excellent attention to details
● Ability to work independently in a fast-paced office
● Ability to prioritize and multitask
● Strong sense of urgency
● Fast Learning skills
● Good organization and time management skills

Project Manager III

Job Responsibilities:

  • Coordinate in English with internal, client, and other external resources to ensure scope, requirements, and objectives are clearly and transparently defined
  • Work with ERC Sponsor, stakeholders, and functional areas to define tasks, deliverables, and due dates
  • Develop Project & Communication Plans based on implementation scope, requirements, and objectives
  • Manage changes to project scope, schedule, and costs through appropriate solutioning or escalation
  • Report and escalate on Action/Issue/Risk items that may impact project success
  • Meticulously maintain comprehensive project documentation
  • Define and drive project deliverables, meetings, updates, and communication with client & internal sponsors, stakeholders, and functional areas to ensure project scope, requirements, and objectives are met

Skills, qualifications, and other requirements:

  • Proficient in English Verbal and Written (Conversational/Professional)
  • Exemplary client & internal facing written and verbal communication skills and capable of communicating at the level of your audience (Executive and below)
  • Unparalleled attention to detail, critical thinking, and abstract analysis skills to see complex issues before they arise and resolve them
  • Solid organizational skills and ability to ‘get out of your own head’ when an issue or crisis arises
  • Ability to drive others to success through professional mechanisms that instill a desire in others to succeed
  • Unquestioned ability to manage multiple projects, conflicting deliverables, and drive a way forward to success
  • A desire to always self-improve, improve the team, process, and organization


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