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Debt Collectors Harrassing You?  Dealing With Debt Collectors Tip #1

When dealing with debt collectors, one of the first things you need to do is to keep notes.  Keep track of all of the conversations you have with a debt collector.  If you get a phone call, write it down.  Keep track of the time of day, the date, the debt collection agency name, and the name of the person who you spoke with.  Keep track of what was discussed, and what type of threats were made, as well as the nature of the alleged debt owed.

By keeping track of all interactions, you will set yourself up to file a better complaint against the collection agency if you need to in the future. It also helps you feel more in control of the situation, as it will force you to calmly take note of the entire communication.  Don’t let the collection agency bully you.  Sure, if you legitimately owe the debt, you need to figure out a way to resolve it—but you don’t need to be harassed or even threatened.

If you are harassed or threatened, by keeping track of the communications, you will be in a better position to talk to a lawyer when you need to.

Check back at CreditScoreAide for more credit tips and tips on dealing with debt collectors.