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Dealing With Debt Collectors - The Fun Approach

Updated on June 12, 2012
Dealing With Debt Collectors
Dealing With Debt Collectors

So you’ve found yourself in an unfortunate situation. You’re broke and the debt collectors have started to call. To some it may feel like the end of the world, but what are you going to do? Have fun with it I say. I mean really, what are they going to do about it?

I’ve recently experienced this first hand. No I’m not destitute. We moved to our new home and were issued a recycled telephone number. The people that had the number must have had some financial woes and the debt collectors won’t quite calling. This being the case I’ve decided that it’s time to have a bit of fun.

When Debt Collectors Come Knocking

Answer with a foreign accent – This throws them off every time. Bill collectors have a preconception as to whom they’ll be speaking with. Answer in a British, Australian, French, or whatever accent you can come up with. It really messes with their head. Tell them in your foreign accent that you can’t understand a word they are saying and ask for an interpreter. It’ll really set them off!

Use call forwarding – If you have free call forwarding tell all your friends to call you cell for a couple of weeks and forward your calls to the return number the collection agency leaves on your answering machine. Can you picture it. Some deadbeat debt collector sitting in his little office makes his daily call to harass you. When he does his other line rings. Need I say more.

Bill Them! – Send them a bill for all the time you’ve wasted on their calls and letters and threaten to send them to collections if they don’t pay. I don’t know that it’s legal, but it sounds like fun. Of course you have to imagine their reaction.

Tell them that you have “left us” – Don’t’ tell them that you died. Just have a friend inform them in a woeful tone that you have “left us”. They won’t know what to do. I did this the other day and the guy panicked! He apologize profusely and I haven’t heard from them since.

Offer them a settlement – Offer them $1 as a settlement and insist that they put it in writing. I did this the other day and they started hollering in the phone at me. I started laughing and the guy got even madder. I thought he was going to explode.

Cuss them out – I’m not much of one for foul language. The law says that they can’t verbally abuse you, but it doesn’t say that you can’t abuse them. Have fun with it. Lower their self-esteem a bit. Tell them that you’d like them to call every day so that you can repeat the conversation.

Mail them coupons – Cut a bunch of coupons out of the Sunday fliers, tally up the amounts, and mail them to the debt collector. Request that they take the total off your bill.

Judge Judy Pranks Debt Collector

Have Fun!

I know that I’m making fun of a very tenuous situation, but if your broke what else can you do. There is no sense in beating yourself up over it so you might as well have fun. After a while you may look forward to receiving the debt collection calls!


This article is meant for entertainment. Any actions you take are of your own volition.

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    • wheelinallover profile image

      Dennis Thorgesen 

      4 years ago from Beatrice, Nebraska U.S.

      When I recently had a new phone line put in I started receiving collection calls for the last person who had the number. Looks like it is time to have some fun. Thanks for the great ideas.

    • profile image


      6 years ago

      Ask them for 'security information' tell them they need a password and secret answer before they can be directed to the right conversation.

    • WillStarr profile image


      6 years ago from Phoenix, Arizona

      I've actually pulled this one off a couple of times on telemarketers, though not as well. My wife was laughing so hard she cried:

    • Dee aka Nonna profile image

      Dee aka Nonna 

      6 years ago

      Fun take on a serious situation, but you are so right when you say....if you are broke might as well have fun. Just might keep your mind strong so that you can find a solution....great hub. Voted up and funny.

    • eric-carter profile image


      6 years ago from Fulham, UK

      That hub totally made my day! :)) Good one

    • ThoughtSandwiches profile image


      6 years ago from Reno, Nevada


      These are some excellent ideas that I am looking forward to putting into play. This will start in the morning at about 9:01 AM because that is when they tend to start.

      I DO like that sending them coupon thing...I believe I can have them paid off in a couple of months that way...

      Thanks for the laughs!


    • collegedad profile imageAUTHOR


      6 years ago from The Upper Peninsula

      Good idea southrn1428. Put the ball in their court!

    • profile image


      6 years ago

      Interesting yet unique thoughts concerning dealing with Debt Collectors. Consider this when dealing with them, always send them a "Letter of Validation" this makes them "Prove up the Claim" that they think they have against you when in fact they really don't. Why you might ask, they do not have signed contract with you in regards to the account they are addressing.

    • brsmom68 profile image

      Diane Ziomek 

      6 years ago from Alberta, Canada

      Now those are very interesting approaches to take. :) Cheap entertainment. Voted up and funny.


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