Steps to Take Immediately If Contacted by a Debt Collector

We have several short videos that you can review right now:

Collection agency harassment defense

How to fight back against collection agencies

How to handle collection agency on phone

If you have been contacted by a debt collection agency, here are our best tips in addition to the ones that we give you in the above videos:

1. Create a written log of dates and times that you are contacted by the debt collection agent and note any abusive language or behavior by the debt collector. In every conversation with a debt collector:

1. Ask for the debt collector’s name and employer, telephone and address.
2. Never admit that you owe anything.
3. Never raise your voice, yell or curse at the collector.
4. Do not verify any information with the debt collector, especially your place of employment. He will certainly ask for this information but do NOT give it to him.
5. Ask the debt collector what action he intends to take if you do not pay this bill.
6. Write down every promise or representation made to you by the debt collection agent.

Immediately send a Cease and Desist Letter
2. Immediately send a Cease and Desist Letter to the collector telling him or her not to contact you anymore. We have attached a sample Cease and Desist Letter that you may use. Do not get fancy with your language or offensive with your attitude. Simply ask the agency and/or the collection agent to stop calling you and then they must do so. If they fail to do so, we can sue them for your damages.

Never pay a bill because it is small if you do not owe it
3. Never pay a bill because it is small if you do not owe it. It might be a sign that your identity has been stolen or mixed up with someone else’s. If that is the case, we have far more work to do.
If you think your rights have been violated, call Attorney Gary Nitzkin, toll free at(888) 293-2882. The call is free and the advice is priceless. You can also email him at [email protected].