Responding to Debt Collectors
What to say, what not to say, and how to protect your rights.
Stay Calm
Don't let emotions drive your response.
Document
Record date, time, company, and conversation.
Know Rights
The FDCPA protects you from abuse.
Verify First
Request validation before acknowledging debt.
✓What to Say
"I need to verify this debt in writing."
Request written validation within 30 days of first contact.
"Please send correspondence to my address."
You can request all communication be in writing.
"I'm recording this call for my records."
Legal in most states with one-party consent.
"What is the name of the original creditor?"
Verify they're collecting for a legitimate debt.
✕What NOT to Say
"Yes, I owe this debt."
Can reset the statute of limitations.
"I can pay $X per month."
Never make promises without written agreement.
Your bank account information
Never give payment info over the phone.
Your Social Security number
They should already have this if debt is valid.
Your Rights Under the FDCPA
Time Limits
No calls before 8am or after 9pm
No Harassment
Can't call repeatedly to annoy you
No Threats
Can't threaten violence or arrest
Written Notice
Must send written validation
01
Request Debt Validation
Within 30 days of first contact, send a written request. They must prove the debt amount and their right to collect. Collection must stop until validated.
02
Check the Statute of Limitations
Debt expires for legal collection (varies by state). If "time-barred," they can't sue you. Making a payment or acknowledging the debt can reset this clock.
03
Document Everything
Keep records of every call, letter, and interaction. Note any violations. This documentation is valuable for complaints or legal action.
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