How to Deal With Collection Agencies
Wait before paying anything.. Get the agency's information.. Demand all information in writing.
Steps
1
Wait before paying anything.
Wait before paying anything.
2
Get the agency's information.
Get the agency's information.
3
Demand all information in writing.
Demand all information in writing.
4
Prepare a script.
Prepare a script.
5
Stop communicating with the agency until you receive your bill in writing.
Stop communicating with the agency until you receive your bill in writing.
6
Educate yourself on the law regarding collection agencies.
Educate yourself on the law regarding collection agencies.
7
Examine the bill the agency sends you.
Examine the bill the agency sends you.
8
Request validation of your debt.
Request validation of your debt.
9
Check the statute of limitations on your debt.
Check the statute of limitations on your debt.
10
Threaten to sue if your debt is not legitimate.
Threaten to sue if your debt is not legitimate.
11
Stay calm.
Stay calm.
12
Avoid providing personal information.
Avoid providing personal information.
13
Remember your rights.
Remember your rights.
14
Record conversations.
Record conversations.
15
Get all agreements in writing.
Get all agreements in writing.
16
Negotiate with the collector.
Negotiate with the collector.
17
Work out a payment plan.
Work out a payment plan.
18
Pay with a bank check or money order.
Pay with a bank check or money order.
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