If you are serious about loan repayment then going for a debt consolidation programme is a great idea. This will help you to save yourself from many of the unnecessary hassles that being an individual player entails.

First and foremost if you are under the aegis of a debt consolidation company all your collectors’ calls will go straight to the credit card debt negotiation firm. Thus you will be saved from the unnecessary harassing calls of the lender and can be at much peace.

Even if you answer a call from any of the creditors. Be strict with them and ask them to talk to the debt consolidation service provider whom you have hired. This means you will then not need to answer unnecessary disturbing questions about your loan repayment. 

If even after your repeated instructions the lenders keep on calling you and not your service provider they become liable for damages under the Fair Debt Collection Act. The best way to deal with this situation is to be firm and strict. Do not abuse or be rude; just state the name of the agency that is looking after your loans and cancel the call. Remember in this way you will be able to ward off unnecessary phone calls and this is also a great way to handle your loan crisis.