How would you react to a call from a debt collector?

Jump to Last Post 1-6 of 6 discussions (6 posts)
  1. Vanmil profile image59
    Vanmilposted 8 years ago

    How would you react to a call from a debt collector?

  2. profile image45
    bjmathieu930posted 8 years ago

    As someone who these days gets call quite frequently by debt collectors, the best way I have found is to answer calmly. Dont ignore them speak to them explain to them what is going on. Most of the time they can work with or buy you some time. What ever you do stay calm.

  3. eculligan profile image74
    eculliganposted 8 years ago

    Be professional with great come backs. Don't take one word of harassment from them.  You can easily end the harassing phone calls by writing one simple letter that tells them to cease all contact with you.  Its that simple and it really works.

  4. weholdthesetruths profile image60
    weholdthesetruthsposted 8 years ago

    There's a large percentage of "no longer valid" debt collection going on these days.   The probability of whether a call is valid or not is probably in opposite proportion to how agressively they try to collect it.   Here's some giveaways your call is probably fraud, or a mistake, or even just some ancient, no longer legally valid debt that may or may not have been yours...  Or worse, it may not be anything that is or ever was valid, and in fact, may be nothing other than fraud.

    1.  NEVER agree to anything over the phone.
    2.  Ask for the name of the company calling you.
    3.  Ask for the name of the person who is on the phone.
    4.  Ask for the "address of service" of the company on the phone.
    5.  Tell them that as a courtesy to them, you'll accept their call to get them to send you the proof of debt - this means the ORIGINAL debt, be it an invoice, contract, or other PROOF you owe.   Insist that until you see them and accept it is legal, that they take no action and that until then, you deny it all.
    6.  Never give your full name, address, bank account, credit card, or ANY other useful information.  If they don't have it, you don't owe them any money.  Even if they do have it, do nothing and say nothing, until they send you proof.
    7.  If they make it sound like the person on the other end is an attorney, but is calling over a matter of a few hundred or even a couple thousand dollars,  tell them you don't do business over the phone and hang up.
    8.  Never agree to any terms of payment, or even agree you are the person who owes the debt over the phone, until or unless they provide you with LEGAL proof (which is not a summary of money owed, but the ORIGINAL source of obligation).   This can't be done UNTIL they mail you actual copies of indebtedness.   If they're dumb and send you the original contract, burn it and laugh.   Only the original is a valid debt. 
    9.  If the person on the other end is rude, angry, intimidating, or tells you that this is "the last chance before we take action", then kindly explain you're not interested in talking to them and hang up.   Especially if this is something you know nothing about, or is very old, or if ANYTHING about it seems fishy or not quite right. 

    Yes, there are professional and legitimate debt collectors, but the rest have made a horrible name for the industry among consumers, who have been scammed, burned, lied to, defrauded, and in other ways abused.

  5. profile image0
    MountnDewposted 8 years ago

    I say no thanks and hang up. If you don't have it to pay why play the ring around the rosy game with them. Of course this approach is not for the faint of heart as it raises your chances for back lash from the collectors,but for smaller debts they will usually not bother with you.

    If you are bound and determined to pay them back then simply tell them you will be sending X amount of dollars per month and do so and refer back to my first paragraph if they call you back. As long as you are showing an effort to pay the debt then legally they have no recourse.

  6. brandonfan profile image55
    brandonfanposted 8 years ago

    Basically my reaction would sound something like this, " No, I'm sorry, she isn't home right now, can I take a message?" :-) Hehe!


This website uses cookies

As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

Show Details
HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
LoginThis is necessary to sign in to the HubPages Service.
Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
AkismetThis is used to detect comment spam. (Privacy Policy)
HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
MavenThis supports the Maven widget and search functionality. (Privacy Policy)
Google AdSenseThis is an ad network. (Privacy Policy)
Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
Index ExchangeThis is an ad network. (Privacy Policy)
SovrnThis is an ad network. (Privacy Policy)
Facebook AdsThis is an ad network. (Privacy Policy)
Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
AppNexusThis is an ad network. (Privacy Policy)
OpenxThis is an ad network. (Privacy Policy)
Rubicon ProjectThis is an ad network. (Privacy Policy)
TripleLiftThis is an ad network. (Privacy Policy)
Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)