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The following article was published in our article directory on October 31, 2015.
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Don't be afraid of a collection agency

Article Category: Advice

Author Name: Guy Murphy

The average debtor that has an account in a collection agency has over $35,000 in charged off credit card debt, sitting in their back pocket. Now consider car notes, mortgages, insurance? The phone calls start. The collector calls repeatedly and threatens to sue you if you don't pay? They call your job, your home, our cell? They called your relatives looking for location information? What steps should you take if you get a collection agency call?The first thing to do is educate yourself on the collection agency that is calling you. Google the debt collectors number, and see what the rest of the world is saying about them. You may see numerous complaints, from individuals who have had dealings with this company. Gather your facts and do your homework, because chances are if you owe them a large of amount of money, they will be contacting you for a while.
Here are some tips and tricks you can use when dealing with a collection agency.
At the beginning of every call ask them if they will honor your rights under the FDCPA and if their collection agency has heard of the CFPB? This will get the debt collectors attention from the start and lets them know you are an educated consumer about your rights.
Record every phone call. This keeps the debt collector honest and gives you proof of what happened and what they said, on every call.
Make the following statement, "I would like to advise you that under the Fair Debt Collections Practices Act, and my rights, I would like to record you, and this entire call to protect myself and my rights. Are you OK with that Mr. Debt Collector?
Make sure you receive your letter within 30 days of getting the call. This gives you the right to dispute the debt, or any portion of and the collection agency is required to send you written notification after a verbal conversation happens.
Make sure they read you the mini Miranda? "This is to inform you of our attempt to collect a debt, any information obtained will be used for that purpose." They are required by law to disclose this.
Collection agencies must properly identify who they are speaking to. Last 4 of your social and your address? They have to have a verification process to ensure your information is not being disclosed to anyone but you.
If you tell them not to call your place of employment, all calls must stop, unless to tell you they are taking legal action.
If you can pay the bill, remember that most collection agencies will give you a reduced amount to pay, or a settlement. I have seen some collection agencies that will settle for 30-40 cents on the dollar.
If they're a local collection agency, go into their office face to face and ask to speak to their rep. Again this is a great way of keeping them honest and showing your willingness to pay the bill.
Offer payments to them if you can afford it. Most collection agencies will accept $25-$50 a month.
They can't call you before 8am or after 9 am your time.
Collection agencies cannot disclose your personal information to anyone, but you.
Collection agencies are not supposed to add fees to your debts, but many do.
Collection agencies must have a collection agency license, and be registered with the states they are collecting in.
Collection agencies cannot disclose information about your bill on a voicemail.
Debt collectors cannot threaten jail, or imply any sort of legal action.
Collection agencies cannot exaggerate the amount of your debts.
Collection agencies must follow the FDCPA. The Fair Debt Collections Practices Act, enacted March 20,1978.
When a debt collector calls you, you can be in control, but have to educate yourself, on what they can and cannot do. There is not a debtor's prison and they can't threaten a federal warrant or say they are with the government. They cannot threaten your freedom.
You may have financial hardships, but you also have rights as a consumer. Being in debt is not the end of the world, and a collection agency cannot freeze your accounts, or put you in jail. Your debt is not a crime and any collection agency representing as such, should be reported. Be suspicious of any agency claiming to have a warrant for your arrest? They cannot arrest you for not paying your debts. There is no debtor's prison, and most creditors will work with you. You're not the only one who is going through a financial crisis. You have rights and you need to make sure your rights are not violated.

Keywords: collection agency

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