McBride Law Firm

Free Consultations 318.625.0471

Main Menu

Be careful what information you give collectors over the phone

Debt collectors can be persistent and intimidating. Sometimes, they lie. Receiving a call from one can make you flustered and nervous.

However, regardless of what tactics the debt collector uses, it's essential to stay calm and be very careful about what you say. Let's look at a few examples of things you should never say on a call with a collector.

Don't confirm that you owe the debt they're calling about

They could have your debt confused with someone else's. They may not have a record of some of your payments. The debt may have expired because it passed the statute of limitations and is longer collectible. If that's the case and you agree to make a partial payment, you could restart the period in which your debt is still collectible.

It's best not to acknowledge any debt or agree to any payment unless you're absolutely sure you owe the money. It's best to ask for a written statement showing details of the debt, including the original creditor, the amount and the collection agency.

Don't give out your bank account information

It's best to make your payments with a regular or cashier's check. Send it via certified mail or a provider like UPS or FedEx so that you can verify that it was received. Never give your bank account and routing and transit numbers over the phone. You're giving the caller the information they need to deduct whatever they'd like from your account.

Don't provide additional contact information.

Some debt collectors ask for a work number. Don't give them the opportunity to call you on your work phone or contact your employer. They don't need a number beside the one they reached you on.

It's generally fine to confirm your address if you're sure who you're talking to. Don't give them any other personal information, like your Social Security number.

If your credit card debt or other debt has gotten to the point where you're receiving collection calls, it may be time to consider debt relief options, including bankruptcy. An experienced attorney is a good source of information and assistance.

"Attorney Advertising Disclaimer: Under Federal Law, we have been designated a Debt Relief Agency and we help people file for bankruptcy relief under the Bankruptcy Code. This information is not intended as legal advice and no attorney-client relationship is created. Results may vary. Results not guaranteed. Dramatization: Not actual clients in pictures and videos. -- Thomas C. McBride, attorney in Alexandria, LA."

No Comments

Leave a comment
Comment Information

McBride Law Firm

McBride Law Firm
301 Jackson Street Suite 101
Alexandria, LA 71301

Phone: 318-625-0471
Phone: 318-625-0471
Fax: 318-445-8066
Alexandria Law Office Map

Back to top