Table of Contents
- 1 What information should you not give to a debt collector?
- 2 What are the collectors forbidden to do when contacting customers?
- 3 How do you handle debt collectors calling?
- 4 Can you tell a debt collector not to call?
- 5 What information does a debt collector have to give you?
- 6 Can a debt collector contact other people besides your spouse?
What information should you not give to a debt collector?
Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know the company or person you are talking with is a real debt collector.
What are the collectors forbidden to do when contacting customers?
Here are five tactics that debt collectors are specifically forbidden from using….They are not permitted to:
- Threaten you with violence or harm.
- Use obscene or profane language.
- Call you repeatedly.
- Call you before 8:00 a.m. or after 9:00 p.m. without your permission.
- Call you at work, if you forbid it in writing.
Can you hang up on a debt collector?
FDCPA allows you to hang up on debt collectors. They have no recourse if you refuse to take their calls. Collectors violate FDCPA if they continue to call you. You can ask debt collectors to stop calling by requesting further communications in writing.
How do you handle debt collectors calling?
Keep a level head and follow these steps.
- Make Sure You Have Time to Talk.
- Get a Pen and Paper.
- Ask the Collector to Send Information About the Debt.
- Don’t Admit to the Debt.
- Don’t Give Information About Your Income, Debts, or Other Bills.
- Hang Up, If Necessary.
- After the Call, Decide What to Do Next.
Can you tell a debt collector not to call?
Even if the debt is yours, you still have the right not to talk to the debt collector and you can tell the debt collector to stop calling you. If you’re having trouble with debt collection, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).
What should you not do when a Debt Collector calls?
What Not to Do When a Debt Collector Calls. 1 1. Don’t Give a Collector Your Personal Financial Information. While some collectors might say they want information about your income to qualify you 2 2. Don’t Make a “Good Faith” Payment. 3 3. Don’t Make Promises or Admit the Debt is Valid. 4 4. Don’t Lose Your Temper.
What information does a debt collector have to give you?
A collector has to give you “validation information” about the debt, either during the collector’s first phone call with you or in writing within five days after first contacting you. The collector has to tell you four pieces of information. how much money you owe. the name of the creditor you owe it to.
Can a debt collector contact other people besides your spouse?
A debt collector generally can’t discuss your debt with anyone but you or your spouse. If an attorney is representing you, the debt collector has to contact the attorney. A collector can contact other people to find out your address, your home phone number, and where you work, but usually can’t contact them more than once.
How do I know if a debt collection agency is legit?
A debt collector must tell you the name of the creditor, the amount owed, and ensure you can dispute the debt or find out if it is legit. Who you’re talking to (get the person’s name) The name of the debt collection company they work for. The company’s address and phone number. The name of the original creditor.