How to Deal with Debt Collectors

How to Deal with Debt Collectors | How to Win in Court

Questions to Ask the Telephone Debt Collector

Are you being hounded on the phone by debt collectors? If so then we suggest that you ask the collector the following 18 questions before agreeing to discuss the debt. These questions will put an end to their abuse very quickly. When you use them you should always be certain that you demand that they validate the debt and inform them that you dispute the debt and each and every part of it. Print these questions out and keep them near your phone so you can get to them quickly. It is also recommended that you tape all of your phone calls with debt collectors.

1. What is the name of the company you represent?
2. What is their address?
3. What state are they in?
4. What is the zip code?
5. What is the phone number?
6. What is the name of the creditor?
7. What is their address?
8. What state are they in?
9. What is the zip code?
10. What is their phone number?
11. What is the Account number?
12. What is the amount you claim I owe?
13. What is your name? What is your last name?
14. What is your address?
15. What state are you in?
16. What is your zip code?
17. What is your telephone number?
18. What is your Social Security number?

Naturally when you get down to the personal information they are going refuse to give you that information and will claim that they don't have to do so. Simply tell them that they must give it by law because the law says that they have to give full and complete information about the call they are making, and since they have already broken the law by calling you in the first place, you want to know where to send their summons to court and you want to be sure that you have the right person on the summons. That will normally get rid of them. If it doesn't then you simply tell them that if they have anything to say to you they need to put it in a letter and send it to you by mail and then hang up on them.

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