Calls from debt collectors can be overwhelming and intimidating but learning some dos and donts about handling debt collector calls and understanding your rights when it comes to debt collection agencies can ease your anxiety. For starters debt collectors arent to call you about a debt that you dont owe when a debt collector first contacts you about a debt you have the right to request them to verify the debt is yours if the debt collector cant respond with proof that you owe the debt theyre not allowed to contact you any more. When a debt collector calls its important to know your rights and what you need to do the ftc enforces the fair debt collection practices act fdcpa which makes it illegal for debt collectors to use abusive unfair or deceptive practices when they collect debts. Debt collector phone calls can catch you completely off guard and when youre unprepared for a conversation with a debt collector you can end up making an agreement to pay a collection you cant affordor you may get into a heated argument with a collector who insists you immediately pay a debt you dont think you owe. Suher says youll also want to hang on to any voice mail from debt collectors debt collectors have many restrictions when it comes to collection calls the debt collection act says there is
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