Calls from debt collectors are never happy. Some of them even try to scare and harass you. However, it helps to know that debt collectors are not allowed to engage in activities that come under harassment. If you are aware of your rights, you will be able to tell when a debt collector is crossing a line. Thus, you won’t be intimidated by unlawful tactics.
Although a debt collector is not exempted from calling you, they must adhere to certain rules. When they do not, you can legally sue them or the company they work for. Debt collection defense attorneys from Zero Debt Law Firm can protect your eyes.
What to do when a debt collector calls you
Decide if you want to take the call.
The first thing you need to do is decide whether you want to talk to the debt collector. Consider ignoring their calls or text until you fully learn about your rights. Being unaware of your rights is dangerous because it makes you vulnerable to their dirty tactics. There are some important things to keep in mind, such as:
- If you want to file for bankruptcy
- Finding out if the debt is truly yours
- Whether the statute of limitations has expired
- Keep a record of all the calls.
A debt collector that calls you won’t just do it for one time; they will probably call you several times a day. While it is not against the law to call, there are certain rules on how many times they can call you in one day. Keep track of how many calls you receive in a day, note down the date and time, and keep evidence of your call logs. You should also save any texts or voice messages they send you.
Ask the collector to stop contacting you if you want.
Under the federal FDCPA, you can ask the debt collector to stop contacting you by requesting them in writing. Of course, a few exceptions exist on when you can and cannot use this privilege. However, consider the consequences of closing communication before asking them to stop contacting you. You will no longer be able to keep tabs on your debt or negotiate a settlement. Telling the collector to stop might be a good idea if you are considering bankruptcy.
Request validation of the debt.
Thousands of people who do not owe any debt to anyone are contacted by collectors. When they call, you must ask them to identify themselves and request validation of the debt. You have the right to information about your debt. Moreover, you should not hand over money to just anyone.