How to Protect Yourself

If you are being bothered by a debt collector, protect yourself and safeguard your rights by doing the following:

  • Preserve ALL evidence
    • Never throw ANYTHING anyway
      • What may seem like trash to you can be important evidence
      • Keep ALL letters – INCLUDING THE ENVELOPES
      • Keep any notes given to you by others (family, friends, coworkers, or your employer)
    • Do not erase ANYTHING
  • While things are still fresh in your mind, write a narrative of what a debt collector has done to you.  Keep a journal of events as they happen – and do not leave out how the debt collector’s unlawful conduct has affected you emotionally, how you felt when your rights were violated
  • Take notes of any conversations
    • Write down the name of the debt collector, or law firm, that is calling you
    • Get the names of all individuals with whom you speak
    • Record the date and time of every call
  • Preserve any recordings
    • Safeguard any tape recordings – if you recorded it, do not destroy it
    • Save any messages left on your voice answering system
    • Keep screen shots of cell phone numbers that called you
  • Get copies of your phone bill and cell phone bill
  • Get a copy of your credit report (www.annualcreditreport.com)
  • If you are not allowed calls at work or they are inconvenient, tell that to the collector who calls you there and tell them not to call you at work again
  • If you dispute a debt, tell the collector that you dispute it
  • Write the collector and tell them that you want them to verify the debt and request that they send you a copy of that verification.

Debt collectors will have a different story of events. They will likely deny using any bad language; they often lose documents; or they may not keep a record of the telephone numbers that they called. Therefore, your recordings and your preservation of evidence may be the only evidence of what really occurred. Make sure that you preserve it and safeguard it well!

In addition,

  • Protect yourself from identity theft.
  • Never give out your personal information over the telephone, or in response to an unsolicited email. Do not disclose your –
    • Checking or banking account information
    • Credit card information
    • PIN numbers
    • Social Security number
    • Your birth date
  • Never authorize a postdated check

Many people have paid money only to find out they were scammed. Many scammers pose as debt collectors; and many debt collectors are scammers. No legitimate debt collector will demand only immediate payment over the phone or by email.

Contact our office immediately if you feel threatened, abused or harassed, treated unfairly, or that your rights have been violated in any way.

Submit your claim now for immediate review or call us, we will review your case with you without obligation.