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How should you approach debt collectors?

On Behalf of | Jun 3, 2022 | credit card debt |

If you struggle with credit card debt, you may feel a sense of dread when the debt collectors start calling.

The U.S. News explains that about 40% of Americans deal with debt collectors once a year. While debt collectors can sue you if they represent a legitimate debt, you do not always have to let it get to that point.

Do not become angry

Try to stay as calm as possible when debt collectors call. Even if you do not want to stay on the line, stay calm and polite. Generally, a creditor hires a debt collector to collect on an unpaid debt. If a legitimate debt collector calls, odds are he or she will not harass or threaten you. Use the conversation to determine the debt you owe and what type of collector you have to deal with.

Do not share personal information

Be careful when it comes to personal information. You do not want to validate the debt or extend the statute of limitations when it comes to the collector being able to enforce the debt. Additionally, no collector should ask for your bank information or Social Security number. Scammers, on the other hand, may ask for personal information.

Do not forget to ask for documentation

You have a right to a validation letter. Your letter needs to tell you about the debt you owe. The letter should say how much you owe and list when the debt began. Keep all documentation in case the debt collector called you in error. When the call begins, take notes.

To prevent future debts from going to collections, you may have to start budgeting or paying your debts differently.

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