But learning some dos and donts about handling debt collector calls and understanding your rights when it comes to debt collection agencies can ease your anxiety more importantly by knowing what to do and say when a debt collector calls you can avoid making a mistake that could put you at legal or financial risk. Debt collector phone calls can catch you completely off guard and when youre unprepared for a conversation with a debt collector you can end up making an agreement to pay a collection you cant affordor you may get into a heated argument with a collector who insists you immediately pay a debt you dont think you owe. When a debt collector calls its important to know your rights and what you need to do the ftc enforces the fair debt collection practices act fdcpa which makes it illegal for debt collectors to use abusive unfair or deceptive practices when they collect debts. For starters debt collectors arent to call you about a debt that you dont owe when a debt collector first contacts you about a debt you have the right to request them to verify the debt is yours if the debt collector cant respond with proof that you owe the debt theyre not allowed to contact you any more. Call 312 294 8989 kaplan law firm llc is dedicated to providing our clients with legal services in credit repair and bankruptcy cases what to do when a bill collector calls chicago credit repair lawyer
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