• Keep a record of all collection calls: the time of day, what was said, the way you were treated.
  • If you are being called at work, call or write the collector (keep a copy of the letter) and tell them to stop calling you at work. If you have a home number, you can give that to them. If they still call at work even after you have given your home number, their actions may be considered illegal.
  • If you cannot pay, tell them. If they continue to call after you tell them you will not pay, their actions may be illegal.
  • Hang up the phone! You are under no obligation to talk to them. Collectors rely on you getting upset. Don’t let them bother you.

Know your rights!

If you are in doubt, see a lawyer. If you are low income, you may qualify for free legal services with your local area Legal Aid Office.

Still have questions? Contact us! – Click “Ask Our Lawyers” above.

See also…

Debt Collection