What To Do After Getting a Debt Collector Call

Getting the dreaded phone call from a debt collector can leave you with a sinking feeling in your stomach and at a loss as to what to do next. Fear not, there are ways to handle this situation and still come out with a grasp on your financial stability. Whether a bill has gotten out of hand, or you have forgotten about a bill completely, you can easily work towards a resolution immediately by following these steps once a debt dispute service has begun.


Get All Information in Writing

Thanks to the Fair Debt Collection Practices Act, any and all information regarding this debt has to be provided to you from the debt collector in writing. As soon as you receive the first call, request that you receive this information immediately. Don’t begin a conversation or light talk with the collector without having all of the needed information with you. Say as little as possible during these conversations and press to receive the information needed to review the supposed debt.


Keep A Record of All Phone Calls and Messages

Document, document, document. Write down the dates, times, conversation, and all dispute information that is discussed between you and debt collector every time. This can be used if the collector is giving you false or misleading information going forward while you fight or extend the debt collection process. This can be tedious, but can possibly save you from getting into a tight situation. You can believe that they are doing the same to you.


Know Debt Collector Restrictions

There are many restrictions that are put on debt collectors. They cannot use obscene language, threaten you or your family, call you at work if you ask them not to, misrepresent your debt and more. Be sure to know your rights and document and continue to document all interactions for possible abuse by the debt collectors.


Call a Debt Dispute Service Provider

Yes, this can all seem a bit overwhelming, but if you receive help from a debt dispute service provider like Infinity Consumer Services you can dispute the debt claim in writing and then be able to review the information with Infinity and determine the best course of action. This will take much of the stress away from you and give you the financial peace of mind you deserve.

Have a debt issue that you need assistance with? Infinity Consumer Services is the leader in debt management, consolidation, debt disputes, and more. Learn more about Infinity’s great financial services today!

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