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Step 1
Write down the name, phone number and address of every person you come in contact with. If you have to send something, use certified mail with return receipt
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Step 2
When a bill collector calls, make sure you ask for proof of debt. For example, there was one time when a bill collector called me about a commission check I supposedly cashed but never received. I told him to get a copy of the endorsed check and I'd talk to him. Never heard from him after that.
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Step 3
There is a statute of limitations on debt. The only way to find out what the time limit is in your state is to call a state agency like the department of consumer protection. Keep in mind that the moment you make even the smallest payment or negotiate a payment plan, the clock starts all over again.
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Step 4
Debt collectors can use any method they want to contact you but they can only do it between the hours of 8AM and 9PM. If they harass you any other time, make sure you get the collection agency name, phone number and the collectors name so you can file a complaint with your state.
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Step 5
Whenever possible, do everything in writing. This assures that you and the collection agency have a copy of whatever document you are working with. This will prevent problems in the future. If you have to agree to something verbally, get the name of the agency, phone number and collectors name and write a brief paragraph about what you've agreed to.
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Step 6
If you want a debt collector to stop all contact, write a letter making the request. Keep a copy of the letter and then send it off certified mail with return receipt.
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Step 7
Hire an attorney if you absolutely need to. Determine if the attorney is a member of the National Association of Consumer Advocates specializing in the Fair Debt Collection Practices Act. If you have an attorney, collection agencies will have to contact the attorney and not you.
