How to Handle a Debt Collector Phone Call
It is not uncommon for creditors or debt collectors to engage in abusive or heavy-handed tactics in pursuing the collection of a debt. When it comes to dealing with one of these abusive collectors over the phone, it is best to focus on the things that one shouldn't do, in order to increase one's chances of avoiding further harassment and abuse, or other negative effects.
These "rules of never" include:
- Never give a debt collector your banking or credit card information. They could take much more than you authorize.
- Never pay an amount via "checks by phone" as debt collectors could empty your bank account and you would have little recourse.
- Never agree to do anything based only on a phone call. A legitimate debt collector should be willing to put agreements in writing, which you should be able to review before a payment is made.
- Never let the debt collector make you feel like you are a bad person because you are refusing to agree to anything until you see it in writing, or refusing to pay with a card over the phone or sending monies via Western Union. You are behaving as an educated and wise consumer when asking to see agreements in writing.
- Never believe an abusive debt collector when they threaten you with arrest. We don't have debtor's prison in this country.
If you have further questions regarding how to deal with an abusive creditor or collector over the phone, contact Michael P. Forbes, Esquire, a Philadelphia debt collector abusive attorney as soon as possible.
Suffering From Abuse in Pennsylvania?
I, Attorney Forbes, believe that consumers have the right to be protected from unfair collection practices, and I fight aggressively on their behalf to ensure that those rights are upheld to the fullest extent of the law.
Contact my offices if you are being harassed by debt collectors, and I will assist you in taking legal action against them in an effort to get the harassment to cease for good.
My goal is to reach as many people as possible to let them know that they do have the option to combat collection agency bullies.
CommittedMy firm is proud to deliver high-quality legal representation and compassionate counsel during this difficult time.
Over 25 years of experience and the qualifications to fight for you and your rights.
We fight back and make the debt collector pay YOU money for their abusive, harassing behavior.
Whether you have questions or you’re ready to get started, our legal team is ready to help. Complete our form below or call us at (610) 991-3321.
Our Valued Clients Share Their Thoughts
"Fought for Me Like No Other. He's One of the Good Ones."J.W.
"He Got Me Out of a Financial Mess"Jerry Timlin
"Credit Report Inaccuracy Threatened My Promotion"R.T.
He managed to focus on the best outcomes for my family and our businessTH
"They are very straight forward and told us what to expect each step of the way. They are tireless advocates for their clients and profession."RD & AD
I trust Michael and as a result I highly recommend him.Heather C.
"Someone You Definitely Want in Your Corner"J.C.
Michael P Forbes
VOTED AS ONE OF PENNSYLVANIA'S TOP LAWYERS
Mr. Forbes has always been driven by the desire to help others. With that in mind he began his law career representing indigent families in the Philadelphia family law system for seven years.
Let’s Make Bankruptcy your Last Resort!Read Full Bio