Dealing with Debt Collectors
Having to deal with a debt collector can be a trying experience.
Having economic problems is stressful already, and you don't need a
collector harassing you or trying to rub salt in the wounds.
Some of what the debt collectors are saying to you may be abusive
or intimidating, and these debt collection laws & guidelines
can help even before you contact a debt collection attorney.
Here are some ways that you can deal with a debt collector:
- Keep a call log. On our call log, you can record the dates and
times of calls, the names of debt collectors, their phone number,
and some of the highlights of your conversation.
- Provide written dispute of the debt. If you received a letter
from them that advises you that you can seek validation of the debt
within 30 days, then do just that. Seek validation and hold the
debt collector responsible for providing you proof of what you
- If you are outside of that 30 day period, that does not prevent
you from disputing the debt. You can still dispute it and you can
do it in writing. If you do, that triggers a requirement of the
debt collector to make note of that dispute if they ever report the
debt to a credit bureau.
- Send a letter to the debt collector
that you wish for them to "cease and desist all communications" OR,
if you disagree that you owe this debt, it's not yours, and you
refuse to pay it, send a letter to the debt collector
advising them that you "refuse to pay" this debt. If a debt
collector calls you or tries to communicate with you after sending
a letter to cease and desist or refuse to pay, contact us for a
free case review.
- Recording Calls. In some states,
you can record your phone calls without ever disclosing that you
are recording them. However, in some states, you must disclose to
the other person in the conversation that you are recording the
call. Review the link to see what the laws are in your state.