If you owe an unpaid debt, you may find yourself being contacted repeatedly by a debt collector. Often, debt collectors will use different ways of contacting consumers in an attempt to collect. The phone is one commonly-used medium, and there are several methods that debt collectors will use when calling you.

Five Approaches a Debt Collector May Take by Phone

If a debt collector contacts you by phone, you can expect these common debt collection tactics:

  1. The debt collector may try to use threats to pressure you into paying the debt. They may threaten you with arrest, wage garnishment, or lawsuits.
  2. The debt collector may call your neighbors and family members to get information about your whereabouts which is not a violation, but the debt collector cannot provide information to a 3rd party that this call is about a debt.  They can only call to confirm or correct location information.
  3. The debt collector may not be a debt collector at all. You may receive a phone call from a fake debt collector attempting to get you to pay them the money that you allegedly owe.
  4. The debt collector may harass you by calling you at inconvenient days and times, calling your workplace, using obscene language, or yelling.  They may call between 8:00 am - 9:00 pm.
  5. The debt collector may try to call you if you are not represented by an attorney or if you are unaware that debt collectors must stop all communications when you have representation.

Fortunately for consumers, the Fair Debt Collection Practices Act provides protection from abusive and invasive debt collection methods. We have helped many previous clients stop debt collectors from continuing to harass them. We encourage you to contact us today at 804-282-7900 for more information.

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