What to Do When You Get a Debt Collector’s Call?

Debt problem is common in today’s society. Hence, everyone who has debt has probably experienced receiving debt collection calls. These agencies designate debt collectors to communicate with people who are in debt to make sure that payments are not missed. When you see debt collectors calling, you should not be worried or scared. It is important to know how to handle the situation to ensure that you have everything under control.


Learning how to deal with debt collectors will put you on their good side. It can also save you from more trouble down the road.

Verify the Call

Before you do something, you want to verify the debt collection calls to make sure that it is legitimate. You should already know who you owe money to. Therefore, you need to verify the information provided by the caller to ensure that they are a legitimate member of the organization or company you owe money to. Debt collectors are required by law to provide a written notice when they communicate with you regarding your debt. Hence, do not pay much attention to the calls being made towards you when you did not receive any written notice from your debtor.

Another red flag for scams is when they demand you to pay immediately. A legitimate debt collector will give you ample time to settle the payments. When the debt collection calls made to you come with harassing or threatening messages, you need to think twice and hard. Legitimate debt collection agencies are aware about the legal limitations to their activity; when they make any threat, they know they could be held liable.

Keep a Log of Everything

Whenever you get a call from a debt collecting agency, log everything down. Take note of the time and date of the call, as well as the name of the person you are speaking to. This information could be important and useful later on. This will also enable you to track down the progress of your personal debt to ensure that there are no inconsistencies. Furthermore, you can use this information to validate when you are prompted to make payments. Any form of agreement done via the phone call should be taken note of.

Check Your Credit Report

You can use the signs above to identify if you are dealing with debt collection scams. However, you can also do your own verification. The easiest way to do that is to check your credit report. This report will detail any debts that are placed under your name. You can therefore use it to validate whether the call made by the debt collector is legitimate or not. From there, you can reach out to the debt collection agency if there are any mistakes about their collection efforts.

Be Honest

Most people who are seeking help with debt collectors will refuse to provide important personal information such as home address or phone numbers. However, you should never do that. Be honest about providing the necessary information required by debt collectors. If you try to hide your whereabouts, it will not stop the debt collectors from trying to call you. In fact, it will only heighten their efforts to get in touch with you! You might as well come clean and be upfront about your willingness to cooperate with them. For more details, just visit https://www.debthelpline.com.au/2012/06/dealing-with-debt-collectors/.

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