What to Do When a Debt Collector Calls You: Tips from Paul Mackenzie Debt Consul

Posted by Paul on January 28th, 2016

Avoiding or ignoring a debt collector will not deter him or her from contacting you. If you are certain that you do not owe the creditor any debt, then you should inform the debt collector. If indeed you owe the creditor but are unable to make payments, you will need to make payment arrangements with the debt collector.

At Paul Mackenzie debt consultancy we have prepared sample letters which you as a consumer can use in responding to a debt collector seeking to collect a debt as well as tips on how to utilize the letters. As much as it is our business to collect debt, we ensure that you are able to pay the debt on terms that are suitable to all parties. The sample letters will aid you in getting information as well as protect some rights the law accords you.

You may also opt to consult a credit counselor. At Paul Mackenzie, we have credit counselors ready to advise you on how to manage your debts and money, assist you in developing a budget as well as give you free educational material along with money management workshops. Alternatively you can consult an independent credit counselor.

It is advisable not to ignore or avoid the debt collector as they the collector may be compelled to use alternative methods such as filing a lawsuit against you. If you are not able to come to agreement terms with the debt collector, it is advisable that you seek legal counsel on your situation. You can visit your local legal aid office or check out their website for information. Depending on your location and monthly income, you may qualify to get free legal services via legal clinics or legal aid.

It also helps to know your rights as a consumer in the event that debt collectors make their call to you. Some of the rights you are entitled to include:

A debt collector cannot harass you; make a phone call to you early in the morning, very late into the night, or any other place or time that is unreasonable; contact you while at work where your employer prohibits any personal calls; threaten you; disclose any information on your debt status other than your co-signer, lawyer or spouse.

Our company ensures that we treat all persons fairly and according to the law. We advise the consumer that when you get the information requested or your dispute response from us, check to confirm that the information is in agreement with what your records indicate.


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Joined: December 1st, 2015
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