If you receive a phone call from a creditor or a debt collector, you have several rights. First of all, if you believe you are being scammed, you must never provide any personal information about yourself or your debt. This includes your phone number, home address, or social security number. Moreover, you must ask the caller for a call back number if you are uncomfortable giving such information. Second, you must check the company’s name and address and whether they are actually a legitimate debt collector. In case you suspect a scammer, contact your creditor and the attorney general’s office for help.
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Third, you must know the laws regarding telephone calls from debt collectors. In general, debt collectors can only call you between eight a.m. and nine p.m., so they cannot contact you at work. In addition, they cannot call your home or workplace if they are not allowed to. If you receive a call from a debt collector during these hours, you must send a letter requesting them to stop calling you. This letter should be sent by certified mail.
First, you should always confirm the legitimacy of the debt collector. If the debt collector fails to provide contact information, this should be a red flag. Also, you should never disclose any personal information before checking out the validity of the company. Dealing with debt in collections is stressful and embarrassing. Do not rush in any decision. Make sure to read the laws and the debt collector’s guidelines carefully.
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