How To Deal With Debt Collectors
Dealing with a debt collector can be overwhelming, frustrating, scary and many other emotions associated with dealing with debt and debt collectors. You can choose to ignore a debt collector, but it can lead to other consequences and they probably will not go away so easily. Instead, here are ways to deal with debt collectors:
- The best way to get a debt collector to stop contacting you is to send a cease and desist letter. Send a written letter requesting they stop contacting you, and send the letter through certified mail, return receipt requested, so you can be sure it was received. Make a copy of the signed letter for your records.
- If a debt collector contacts you at work and you are not allowed to take calls at work, tell the debt collector your employer does not allow calls at work and that you request they no longer contact you at your place of employment.
- Anytime a debt collector calls you, keep track and take notes. Include what was discussed, especially if they use offensive language, threaten you or use any other harassing language or behavior. Ask them where they are calling from and their first and last name to include on this call log as well. Make note of the date and time of the call, and the number that showed up on your caller ID. You could also take a photo of the caller ID.
- When a debt collector leaves you a voice mail on your cell phone or a message on your home phone answering machine, save it. If possible, include a date and time stamp with that message. Include any voice mails to the call log mentioned above.
- Ask your friends and family to let you know if a debt collector contacts them in regards to contacting you. Ask them to keep any voice mails, any letters and keep track of the dates and times that the debt collector is calling.
- Save all letters and notices you receive from the debt collector, including the envelopes.
- Save all e-mails and text messages you receive from the debt collectors as well as communications received through any other way they contact you. Print e-mails for extra safe keeping.
If you’re struggling with dealing with debt collectors, call The Law Firm of Mitch Luxenburg’s experienced fair debt collection attorneys toll-free at (877) 846-1209 to find out how we can help you. You can also complete our online form for a free FDCPA case review. The debt collector has to pay your legal fees so you’ll be charged nothing for your case, even if you lose do not receive a settlement or judgment.