Debt Collectors: Should You Communicate in Writing or by Phone?

When communicating with a debt collection agency, it is important to consider what method will be most effective. While phone calls may be convenient, it is often best to get everything in writing. This way, you can avoid miscommunication and have a record of your conversation.

If you are in debt or are being sued for a debt, you may be contacted by a debt collector using one of two methods: writing or telephone. Often, a debt collector will send you a letter first to notify you of your debt, and then make collection calls. This can feel overwhelming.

If you are dealing with a debt collector, it is important to know how to respond. Written correspondence will provide you with a record of everything said, and you can take your time when composing a response. If you are speaking on the phone, you may want to consider recording the conversation (but be sure to let the debt collector know first).

Request Proof of The Debt

A debt collector may contact you, which can be overwhelming. It’s important to understand who they are and why they’re calling. Debt collectors are required to provide certain information, and you can also ask them for more information.

There are Certain Pieces of Information That You Have a Right to Request

Debt collectors are required to provide certain information to consumers, whether by written communication or through telephone calls:

• The outstanding debt, including interest, late fees, and collection expenses
• Proof of your original debt
• Their name and the creditor they work for
• Information on where to find the name of the original creditor if it is different than who is calling you
• Information regarding how to dispute the debt
• Information regarding what happens if you do not dispute the debt
• The paper trail of your debt

This information must be given to you either when you first contact them, or within five days of when you start communicating, in writing.

What Happens if You Ignore a Debt Collector

Ignoring your debt will not make it go away. In fact, ignoring your debt can lead to added fees and finance charges. Other consequences of ignoring your debt include:

• Wage garnishment
• Being sued
• Bank account seizure
• Having your credit score drop

Some Tips When You Communicate with a Debt Collector

It is important to never admit guilt when it comes to debt. If you do, then you will be responsible for paying the entire debt. Even if you go to court, there may not be a chance for a settlement.

If the debt does not belong to you, or if you have already paid it, you may notify the debt collector in writing to cease all communication with you. This can be done by sending a cease and desist letter.

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