Stay safe when debt collectors call
Most of us want to pay our debts, but sometimes it’s harder than it should be. When debt collectors call, the situation can become a nightmare—especially when they lie. Be smart, consult an attorney, and don’t fall for these common deceptions:
- “We’ll keep calling until you pay up.” Harassing tactics are illegal, so bill collectors can’t keep your phone ringing morning, noon, and night.
- “We’ll garnish your wages.” Bill collectors can’t just take a chunk out of your paycheck without some effort. It requires a structured legal process that usually calls for a court date and gives you the opportunity to talk directly to a judge.
- “We’ll call you at work.” You can legally stop debt collectors from phoning you at work if your employer has a policy concerning personal phone calls on the job.
- “We’ll talk to your family and friends.” Without permission, bill collectors can’t contact anyone but the person they claim owes money.
- “Just send us a postdated check.” They may attempt to cash the check early. And they’ll have all your banking information.
“We don’t need to prove that you owe money.” If you don’t remember the debt, don’t agree to anything. Send the collector a letter disputing the debt and requesting the name and address of the original debtor.