SoCalDebtCollectorAbuse.com - Southern California Premier Debt Collection Abuse Specialists

What Not to do if You're Contacted by a Debt Collector.

Debt collectors have various tricks they play on consumers when they’re trying to collect a debt. You need to know basic self-defense if you’re contacted by a debt collector. Here are some tips:

1. Never give them your banking or credit card information. Unscrupulous debt collectors will take more from your account than they’re authorized or allowed to take.

2. Never do “check by phone”. Debt collectors can empty your bank account and leave you with no recourse once you give them your bank account information.

3. Never send them money via Western Union.

4. Never agree to anything verbally only. Before you pay them a dime, get a signed agreement from them detailing the exact terms of any deal you have worked out with them, along with a statement that the deal will, if performed by you, will result in the full satisfaction of the debt. We see all too many cases of debt collectors tricking consumers with verbal promises, only to break them and then press the consumers for more money after the consumers have already paid a lot to the debt collector.

5. Understand that debt collectors cannot get any accounts removed from your credit report. Only the original creditor and/or the credit bureaus (Experian, Equifax and TransUnion) have that ability. So, if a debt collector promises to “clean up your credit” if you pay anything on the debt, this is most likely a false promise.

6. Always record your conversations with debt collectors, where legal. In California, you have to advise the debt collector that you want to record the conversations. Confirm this in writing to the debt collector.

I hope this short list of do’s and don’t’s has been of assistance to you. Thank you for taking the time to read it.

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