CHAPTER 7 | CHAPTER 7 HEARING | CHAPTER 13 | CHAPTER 13 HEARING
TEN TIPS FOR COMMUNICATING WITH DEBT COLLECTORS
- Save every letter and envelope you receive from a debt collector.
- Save all messages (especially voice mail) from the collectors.
- Document every phone call or message from the collectors.
- Take notes during every call.
- Get as much information as possible from the collector regarding the debt and repayment options.
- Don’t lie to the collectors when speaking with them.
- Send request for validation of the debt within 30 days of receipt of the first letter (Certified mail return receipt requested).
- Request documentation of any settlement agreements to be sent to you prior to making a payment to them.
- Don’t give post-dated checks, debit card numbers or checking account information.
- Seek legal help!
DEBT COLLECTION
HARASSMENT IS AGAINST THE
LAW.
Federal law and many states prohibit harassment
by collection agencies and collection attorneys.
The federal law applies only to third party collectors,
but many state laws also cover creditors
collecting their own debts.
If you are being harassed by debt collectors, you
should consider the following eight steps.
In
most cases, you will want to consider more than
one.
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