Woman reviewing her debt

How to Deal with Aggressive Debt Collectors

Debt collectors often resort to aggressive tactics when attempting to collect a debt. Unfortunately, many consumers are unsure of how to respond when confronted by an aggressive debt collector. However, by reviewing the information below, you will be armed with the information necessary to successfully respond to a debt collector who crosses the line. In this article, we explain how to deal with aggressive debt collectors.  

Answer the Phone

The first step to dealing with an aggressive debt collector is to pick up the phone. When you continue to ignore a debt collector’s phone calls, you only encourage future calls. When you answer, speak to the collector calmly and politely. However, don’t volunteer any information about your financial status or your relation to the debt in question.  

Collect Information

Next, you should collect as much information from the debt collector as possible. Specifically, you must determine who is calling you and how this person is related to the collection agency. In addition, you should politely request that the debt collector send you copies of all documentation regarding your debt.

Never Give Your Personal Information 

Although mentioned above, this bears repeating: never give your personal information to a debt collector over the phone. So, even if you are pressured by an aggressive debt collector to hand over certain information—don’t do it. There are several reasons for this, one of which is that the debt collector may be able to use this information against you in court. In addition, identity thieves sometimes masquerade as debt collectors, making it especially important for you to remain vigilant regarding your personal information. 

Take Notes

Next, when contacted by an aggressive debt collector, you should take detailed notes. Specifically, when a debt collector contacts you, you should write down the date of the conversation, the name of the person who called you, and what was discussed. This is particularly important if the debt collector uses aggressive or threatening language during your conversation.  

Know the Law

When it comes to aggressive debt collectors, knowledge is power. Therefore, to effectively respond to debt collectors, you should familiarize yourself with the federal Fair Debt Practices Act, which outlines what debt collectors can and cannot do when attempting to collect a debt. And as discussed below, if you don’t want to dive headfirst into the study of federal law, an experienced attorney can provide you with guidance on this issue. 

Contact a Debt Collection Lawsuit Defense Attorney 

Finally, if you are a victim of debt collector aggression, you should contact an experienced California debt collection lawsuit defense attorney for help. At the Fullman Firm, our debt collection lawsuit defense attorneys are here to protect your rights. When you come to us for assistance, we will do everything we can to ensure that your situation has a successful outcome. Please contact us to arrange a free consultation.