CALL NOW!
FREE PHONE/VIRTUAL CONSULTATION

Need Help Dealing with Aggressive Debt Collectors? Read This!

There are plenty of things debt collectors can do to collect money owed to them, but there are also limitations. Aggressive debt collection is controlled by the law and if a debt collector oversteps his or her boundaries, there are actions you can take. Even if a debt is legitimate and you are behind on payments and/or unable to pay, there is only so much a collector is allowed to do.

If you are facing aggressive debt collection, what are your options?

Don’t Ignore Attempts to Contact You

It’s tempting to ignore calls and notifications about a debt, but that’s not helping your cause. You are better off discussing the debt and learning about your options. You might be able to arrange a settlement or payment plan. Communicating with debt collectors also allows you to gain insight into their intentions and if they are abusive, their behavior can work in your favor.

Before discussing the debt in detail, verify you are speaking with a professional debt collector by asking questions and taking note of the information provided. Never give personal information, such as your social security number, date of birth, or any other identifying information, over the phone. It’s easy for criminals to pose as debt collectors and threaten you in an attempt to trick you into revealing information.

Do Not Make Payments over the Phone

In addition to not providing personal information over the phone, it’s also important to not make payments over the phone if possible. Some debt collectors will try to pressure you into paying while they have you on the line, but doing so can be risky. A reasonable debt collector will understand your security concerns and provide an alternate method of payment.

It is within your rights to tell a debt collector that you do not want to be contacted by phone, and instead provide an email or physical address for contact. This ensures any discussions with the debt collector will be in writing and it gives you access to written verification a debt collector is actually who they claim to be.

Repeated debt collection calls after you have stated you do not want to be contacted by phone violate the law and you can report a collector to the FTC if they continue to call you after you have told them to stop. You can view more information about the FTC’s regulations on debt collection at their website.

Explore Your Options

One of the most important things you can do regarding a debt is to know your options. Once you know how to take control of the debt, you can proceed with confidence to the next step. You should never let a debt collector bully you or threaten you. If you feel you are being threatened, end the conversation and contact an attorney familiar with debt collection laws.

Finally, take careful notes about every interaction you have with a debt collector. Even if you are given a message that your conversations are recorded, you need your own detailed proof that conversations occurred and arrangements were made.

If you are facing aggressive actions by debt collectors, you need to take action. Bankruptcy might be the best option for ending the abuse, but it is not the only way. If you would like to learn more about what debt collectors can and cannot do, contact the Law Offices of Robert M. Geller at 813.254.5696 to discuss your situation and find out how we can help you.

 

Archive

Tampa Bankruptcy Law Blog

What to Do If a Debt Remains on Your Credit Report after Bankruptcy: Why You Need to Be a Detective When It Comes to Credit Reporting Errors

Credit Reporting Errors If you’ve noticed something on your credit report that doesn’t belong there, you aren’t alone. Credit reporting...
Read More

What Happens to the Property I Lose in Bankruptcy? Some Bankruptcy Assets Might Be Protected in Your Favor

Bankruptcy Assets One of the biggest fears people have about filing for bankruptcy is losing their possessions. Many people avoid...
Read More

3 Bankruptcy Tips To Prevent Your Case From Going Off The Rails

Bankruptcy Tips Bankruptcy is one of the most powerful tools you have for improving your financial situation. Unfortunately, it sometimes...
Read More

Can I File for Bankruptcy from Home after a Creditor Files a Lawsuit against Me?

Bankruptcy from Home Have you been served with notice that a creditor is suing you for repayment of a debt?...
Read More

Can I File for Bankruptcy without My Spouse?

Bankruptcy without My Spouse Bankruptcy is an option for single people or married people to get their finances back on...
Read More

Am I Eligible for the Same Benefits If I File Bankruptcy from Home?

Bankruptcy at Home Filing for bankruptcy is one of the best ways to get relief from debt. Not only does...
Read More

Help! A Credit Card Company Won a Judgment against Me!

Judgment Creditor Having a credit card company file legal action against you is nerve-wracking. It only gets worse if they...
Read More

How We Can Help You Improve Your Credit Score after Bankruptcy

Improve My Credit Score A solid credit score is an important tool that helps you in many ways. Unfortunately, just...
Read More

3 Ways You Can File for Bankruptcy

Ways to File for Bankruptcy Filing for bankruptcy is one of the best ways for many people to get their...
Read More

5 Benefits of Filing for Bankruptcy from Home

Filing from Home Filing for bankruptcy from home is one of the best ways to get your financial life back...
Read More

Bankruptcy

For The Next 5 Days GET A FREE BOOK About Bankruptcy

Learn More

Infographics

We are A Debt Relief Agency.
We help people file for bankruptcy under the Bankruptcy Code

Pay Online Bankruptcy Courses Newsletter Subscription

NACBA Logo comodo avvo1 avvo2 avvo3 LEA BBB Logo RG Seal

Call For A Free Initial Consultation

813.254.5696

Tampa Office

Law Offices of Robert M. Geller, P.A.
807 West Azeele Street
Tampa, FL 33606
T: (813) 254-5696
T: (800) 853-7549
F: (813) 253-3405

Map And Directions

St. Petersburg Office

Law Offices of Robert M. Geller, P.A.
125 5th Street South
(Wells Fargo Financial Center)
2nd Floor, Suite G
St. Petersburg, FL 33701
T: (727) 532-3939

Map And Directions

Pasco Office

23526 State Road 54
Lutz, FL 33559
T: (813) 336-2320

Map And Directions