What to Do When Debt Collectors Call

What to Do When Debt Collectors Call: A Guide to Handling Collection Calls


Dealing with debt collectors can be a stressful and overwhelming experience. The constant calls and letters demanding payment can create anxiety and fear. However, it’s essential to understand your rights and know how to handle these situations effectively. In this article, we will provide you with valuable information on what to do when debt collectors call and offer practical tips to help you navigate these challenging conversations.

Understanding Your Rights:

Before diving into specific strategies, it is crucial to familiarize yourself with your rights as a consumer when dealing with debt collectors. The Fair Debt Collection Practices Act (FDCPA) is a federal law that outlines guidelines for debt collectors’ behavior and protects consumers from abusive and unfair practices. Some key provisions of the FDCPA include:

1. The right to request written verification of the debt: If you receive a collection call, you have the right to ask the debt collector for written proof of the debt they’re attempting to collect. This verification should include details such as the original creditor, the amount owed, and any relevant account numbers.

2. The right to dispute the debt: If you believe the debt is inaccurate or you don’t owe it, you have the right to dispute it. Debt collectors must provide you with information on how to dispute the debt and should cease collection efforts until the dispute is resolved.

3. The right to request communication in writing: If you prefer to communicate with the debt collector via mail rather than phone calls, you have the right to make this request in writing. Once the collector receives your request, they must respect your preference and limit communication to written correspondence.

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What to Do When Debt Collectors Call:

1. Stay calm and composed: It’s natural to feel anxious or frustrated when receiving a collection call, but it’s essential to remain calm and composed during the conversation. Take a deep breath and remember that you have rights and options.

2. Ask for identification: Start the conversation by asking the debt collector for their name, the name of the agency they represent, their contact information, and the original creditor’s name. Collectors are required to provide this information when asked.

3. Take notes: Keep a pen and paper handy during the call and take detailed notes of the conversation. Note down the date, time, and duration of the call, the collector’s name, and any relevant information discussed. These notes can be valuable if you need to reference the conversation later.

4. Verify the debt: If the collector claims you owe a specific debt, request written verification. According to the FDCPA, collectors must provide this information within five days of their initial communication. Review the verification carefully and compare it with your records to ensure accuracy.

5. Consider negotiating a payment plan: If you confirm that the debt is legitimate and you’re in a position to pay, consider negotiating a payment plan that fits your budget. Debt collectors are often willing to work out arrangements to recover at least a portion of the debt.

6. Be cautious of making payments over the phone: While making payments over the phone is convenient, it’s generally advisable to avoid doing so, especially if you’re unsure about the legitimacy of the debt or the collector’s identity. Request a written agreement or payment arrangement before making any payments.

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Frequently Asked Questions (FAQs):

Q: Can debt collectors contact me at any time of the day?
A: No, debt collectors are prohibited from calling you before 8 am or after 9 pm, unless you agree to it. They should respect your preferred times for communication.

Q: Can debt collectors discuss my debt with others?
A: Debt collectors are generally not allowed to discuss your debt with anyone other than you, your spouse, or your attorney. They may contact others to obtain your contact information, but they cannot disclose the debt details.

Q: What should I do if I believe the debt is not mine?
A: If you believe the debt is not yours, send a written dispute letter to the debt collector within 30 days of their initial contact. Request that they provide proof of the debt’s validity. They must cease collection efforts until the dispute is resolved.

Q: What if a debt collector is harassing or using abusive tactics?
A: If you feel that a debt collector is harassing you or using unfair practices, document the incidents and file a complaint with the Consumer Financial Protection Bureau (CFPB). You may also consider consulting an attorney specializing in debt collection issues.


Dealing with debt collectors can be intimidating, but understanding your rights and following the appropriate steps can help alleviate stress and protect your interests. Remember to stay calm, ask for verification, and consider negotiating a payment plan if appropriate. By being informed and assertive, you can effectively handle collection calls and work towards resolving your debts.

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