What to do if a bill collector calls
Many of our clients dread the constant phone calls from collectors. Bill collectors can be intimidating, but you can always take the simple step of simply asking them to stop calling you. Or, you can engage them and it is possible they will go beyond the limit of what they are allowed to do and/or say.
In Connecticut, it is illegal for a bill collector to harass you, threaten you, or tell you they will put you in jail
Keep the following in mind for greater confidence in answering bill collector calls.
1. Be truthful. Lies will surely come back to haunt you. Don’t tell a bill collector that “the check’s in the mail” if it isn’t. Your lie or promise will likely be recited back to you in a later telephone call – they tape most calls, and track all information.
2. Take notes. The collector will be taking notes, and you should too. Keep track of what you told them and what they told you. Also, write down the name of the person with whom you spoke and the date and time at which they called. This information will be helpful if you speak with someone from this company again and/or if you get something you can use to bring a claim against them.
3. Explain a temporary financial problem. If you’re experiencing a temporary setback in your finances, go ahead and explain the situation to the collector. They may give you time to get through your situation. However, you should always keep Rule #1 in mind – tell the truth.
4. Admit if you cannot pay your bills. This takes much of the power away from an aggressive bill collector. If you have a bankruptcy attorney, give the caller the name and number of your attorney. They are not supposed to call you back if you have an attorney.
5. Remind the caller of the Fair Debt Collection Practices Act. The purpose of the Act is to provide guidelines for collection agencies which are seeking to collect legitimate debts, while also providing protections and remedies for consumers who are subjected to harassment.
6. Get help. If you cannot pay your bills, call someone who can help – call an attorney. We’ll be glad to give you an initial consultation for FREE.
Call Beckett Law toll free today (888-336-1212) or locally in Hartford at 860-236-1111. If you’re at work and can’t talk, then make a FREE appointment below or email us privately in the form to the right. All contact is confidential and we help people no matter where they are located in Connecticut.