Tips for Dealing with Debt Collectors

 □ When you are contacted by a company other than the original creditor be sure to get written confirmation that they have the right to collect on the debt.

 □ If you reach a settlement agreement with a debt collector on the telephone be sure to get written confirmation of the settlement terms before you send any money.  Make your payments via money order or bank check, if possible.  Note the account number on each payment. On the final payment write “settlement in full”.

 □ If a debt collector threatens you, abuses you, calls you repeatedly or otherwise harasses you be sure to document the misdeeds.  Make written notes of the date, time, persons involved, and what occurs.  This documentation could mean headaches for the debt collector and money for you!

 For more tips and other valuable legal information visit the O’Neal Law Office Free Information Center at




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