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How Should You Deal With a Collection Agency?

Updated on July 31, 2013

If a collection agency contacts you, it obviously means bad news. But, you should know how to handle those situations with a cool head.

The rules and operations of collection agencies vary in different countries and provinces. But, by using some common sense and patience, you can handle them very easily. Ultimately, you need to find a way through which you can end the whole thing as soon as possible.

When you think that you are being wrongly contacted by the collection agency, explain the situation to them. Be truthful to them and ask them to correct the error. After the collection agency takes charge over a case, it is illegal to contact the creditor. But, if you think that a processing error has taken place, you can contact your creditor in order to sort the issue and save money.

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No one can predict what will happen in the future. People get injured, sick and at the same time, accidents do happen. So, there is no way through which you can prevent a collection agency from contacting you. But, at the same time, you cannot pay that you don’t have. So, be advised of all the basis rights you have.

Tips on How to Save Money

When you are in debt, try to sort the issue with your creditor itself. Talk with him honestly before he sends the case to an agency. But if he contacts the agency, make sure that you get all the details in writing. Once the collection agency takes over your case, they cannot charge you even a single penny more than what you actually owe. So, don’t worry about the extra fee as you end up saving money.

When the collection company contacts you for the first time, you should answer honestly. Tell them that you will pay off the debt timely. The creditor will obviously want you to pay further but inform them that it is not possible and you will pay only what you owe.

Never pay an installment in cash without the receipt. It will be even better if you can arrange regular e-transactions from your bank account in a monthly basis. Make sure that you have money in your bank account every month before the transaction takes place. The rules clearly state that these collection agencies cannot harass you in any manner. They cannot call you in untimely hours or during holidays. Similarly, they cannot call your more than three times per week.

Know the rules and never get afraid of these collection agencies. You are always protected when you know what your rights are.

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    • Arijit Bose profile imageAUTHOR

      Arijit Bose 

      6 years ago from Kolkata, India

      Thanks for your comments and words.

    • BayAreaLawyer profile image


      6 years ago from San Francisco Bay Area

      I never speak with anyone asking for money on the phone. I ask for everything to be mailed with proper documentation before I even consider talking to anyone. Thanks for writing this hub!

    • Arijit Bose profile imageAUTHOR

      Arijit Bose 

      6 years ago from Kolkata, India

      Thanks montecristo for your help. I really appreciate your kind words.

    • montecristo profile image

      Angel Caleb Santos 

      6 years ago from Hampton Roads, Virginia

      Great hub. Thanks for a wealth of information! Voted up!

    • Arijit Bose profile imageAUTHOR

      Arijit Bose 

      6 years ago from Kolkata, India

      Thanks Audrey for commenting on this hub. I appreciate your honest opinion.

    • AudreyHowitt profile image

      Audrey Howitt 

      6 years ago from California

      Useful information!


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