How to Deal With Rude and Aggressive Debt Collectors
- Know Your Rights.
- Take Notes.
- Keep Your Emotions Under Control.
- Stop Trying to Explain Yourself.
- End the Call.
- Don’t Pick Up the Phone.
- Make Them Stop Calling.
- Dispute the Debt.
Can you dispute a collection agency?
If you doubt that you owe a debt, or that the amount owed is not accurate, your best recourse is to send a debt dispute letter to the collection agency asking that the debt be validated. Federal law says that after receiving written notice of a debt, consumers have a 30-day window to respond with a debt dispute letter.
How to report a collection agency or debt collector for harassment?
File a complaint with the Consumer Financial Protection Bureau. If you’ve done your research and have found the collection agency to be in violation of the FDCPA, the next step to take is to file a complaint with the Consumer Financial Protection Bureau.
How to report a debt collector to the FTC?
As you’re checking out a debt collection call, remember: don’t respond to threats. When scammers threaten to arrest you, suspend your driver’s license, or call your employer if you don’t pay immediately, hang up and report the collector to the FTC at ReportFraud.ftc.gov. Learn more about dealing with debt collection at
What to do if you find a collection agency in violation of the FDCPA?
If you’ve done your research and have found the collection agency to be in violation of the FDCPA, the next step to take is to file a complaint with the Consumer Financial Protection Bureau. The CFPB is an independent government agency responsible for enforcing the laws and regulations that regulate the consumer finance industry.
What to do if you get scammed by a debt collector?
If you’ve been scammed by a debt collector or you’re receiving telemarketing calls even though you’re on the Do Not Call registry, you may also file a complaint with the FTC. While the FTC doesn’t respond to individual complaints, they do require companies to refund consumers if there are enough loss complaints.
