Managing Collection Calls: Tips for Customers

If you have ever experienced financial difficulties, you might be familiar with collection calls. These are the phone calls that debt collectors make to customers who owe money in order to collect on their debts. While dealing with these calls can be intimidating and stressful, there are steps that customers can take to manage them effectively.

Understanding Collection Calls

Collection calls are made by debt collectors or collection agencies on behalf of creditors. These calls are usually made when a customer has missed payments or defaulted on their debts. The purpose of the calls is to remind customers of their outstanding balance and to try and collect payment.

It is important for customers to know that there are laws in place to protect them from harassment or abuse during collection calls. The Fair Debt Collection Practices Act (FDCPA) outlines rules that collection agencies must follow, such as not calling before 8 am or after 9 pm, and not using threatening language.

Dealing with Collection Calls

  1. Stay calm and polite: It can be tempting to get frustrated or angry during collection calls, but it is important to remain calm and polite. Remember that the person on the other end of the line is just doing their job.
  2. Ask for validation: If you are unsure about the debt being collected, you can request written proof or verification from the collection agency. This will help ensure that you are not being scammed or paying for a debt that is not yours.
  3. Keep records: It is important to keep a record of all communication with collection agencies, including the date, time, and what was discussed. This will come in handy if there are any disputes or issues that need to be resolved.
  4. Explore emergency debt relief options: If you are struggling to make payments, it is important to explore emergency debt relief options such as debt consolidation or debt settlement. These options can help you manage your debts and potentially negotiate with creditors to stop collection calls.
  5. Know your rights: As mentioned before, the FDCPA outlines rules that collection agencies must follow. It is important for customers to be aware of their rights and not be afraid to report any violations.
  6. Don’t ignore the calls: Ignoring collection calls will not make the debt go away. It is important to address the issue and work towards a solution, whether that be paying off the debt or seeking assistance.
  7. Seek legal advice: If you feel like you are being harassed or treated unfairly by a collection agency, consider seeking legal advice. A lawyer can help protect your rights and provide guidance on how to handle the situation.

Overall, it is important for customers to take a proactive approach when dealing with collection calls. By being knowledgeable about their rights and taking the necessary steps to address the issue, they can effectively manage collection calls and work towards resolving their debt. In cases of emergency debt relief, it is also important to seek help from reputable organizations or professionals who can provide guidance and assistance.

If you find yourself dealing with creditor calls, speak to our team to find out what options you have to get back in control of your finances.