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  • Writer's pictureSubhan Tariq, Esq


When you are indebted to someone, you often get pressurized by them to repay the debt. You will probably receive numerous phone calls, as well as texts, letters, and emails from them. You may also be faced with some illegal tactics by them. When you are stressed out, it becomes even more difficult to know how to handle these debt collectors and lenders. Debt collection harassment is more widespread than you might believe. They may use deceiving tactics to mislead you into paying money that you might not actually owe.

Save yourself from being a victim of such harassment by taking the following steps. Here are some crucial points to remember when speaking with a lender, bank, creditor, or collector.

  • Whenever approached by a debt collector, never ignore him. Ignoring the issue and hoping it goes away is one of the biggest mistakes people make when interacting with debt collectors. Unfortunately, ignoring the situation may intensify their collection efforts and potentially prompt them to file a lawsuit against you. Even though it may be difficult, demonstrating that you are willing to communicate and be aware of the debts you owe will greatly help your case.

  • Ask a creditor or collector to identify themselves. Ask them for the following information: The name of the business they are calling from and the specifics of any accounts in dispute are crucial whenever you get in touch with them. This is an essential first step in managing your debts because many debt collection scammers will refuse to do so. Keep track of any callers who refuse to provide the needed information.

  • Keep copies, screenshots, or scans of any letters you receive in the mail or through your phone. Take notes about the conversation when you speak to someone on the phone. Record details such as the date and time of the call, who you spoke with, the accounts that were discussed, and any agreements that were reached. Additionally, make a note of any potential crimes or acts of coercion, abuse, or threats by the debt collector.

Whenever you receive calls or emails from a debt collector, do not hesitate to get in touch with an expert attorney who can advise you on how to handle debt collectors properly. You will also be informed of what a debt collector can or cannot do under the FDCPA.

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