Free Initial Consultation 610.991.3321
Don't Let Them Push You Around

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.

Our Valued Clients Share Their Thoughts

  • “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

  • “He managed to focus on the best outcomes for my family and our business”


  • “He Got Me Out of a Financial Mess”

    Jerry Timlin

  • “I trust Michael and as a result I highly recommend him.”

    Heather C.

  • “Fought for Me Like No Other. He's One of the Good Ones.”


Our Priority is Your Defense

  • Committed

    My firm is proud to deliver high-quality legal representation and compassionate counsel during this difficult time.

  • Knowledgeable

    Over 25 years of experience and the qualifications to fight for you and your rights.

  • Power

    We fight back and make the debt collector pay YOU money for their abusive, harassing behavior.

  • Proactive

    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.