Commonly asked debt collection questions.

One call ‌no one wishes to attend is often from a debt collector. However, it is more common than you know for people not to pay their debts on time and receive a call from collections. If you are in such a situation, there is nothing to worry about. Knowing more about debt collection and your rights and duties when talking to a collection agency can help you have a more fruitful and engaging conversation.

Here are frequently asked questions about debt collection that can help you know everything you need.

Can debt collectors contact me whenever they want?

One of the most troubling things people think about debt collectors is that they may barge into your home or office and ask you to shuffle out money. However, that never happens outside movies. Debt collection agencies can contact you only between 8 am to 9 pm. They cannot also call you at work unless you confirm your workplace if you don't permit them to.

Can a debt collector contact anyone else about my debt?

Another troubling thought that people often worry about debt collection agencies is that debt collectors may call your friends, family, and colleagues regarding your debt. However, that's not true. A debt collector can only contact your spouse apart from you or your legal attorney regarding your debts.

What can a debt collector tell you regarding your debt?

If you need more information regarding your debt and don't know whom to ask, your collector can help you. The collector has to share all the relevant information regarding the debt during their first contact with you on call or send all the information within five days of contacting you. They will tell you the amount you owe, the creditor you need to pay, how you can make payments, and anything else you want to know.

What to do if I don't owe that debt?

During your conversation, you can ask the collector to send a verification letter if you feel you don't recognize a debt. After receiving the verification, if you still feel the same way, you can send a dispute letter to the collection agency within 30 days. The company will then have to share the bill's original copy with you before taking further action.

What debt are collectors not allowed to do?

Certain things are against the rules for a debt collector to do, no matter what the situation is. They include:

• Threatening to hurt you

• Using obscene or profane language while talking

• Repeatedly calling or harassing you through any mode of communication

• Lying to you regarding the debt amount, the payment methods, or other information.

• Revealing your debts publicly.

Can I decide which debt my payment goes to?

Yes, you can inform your collection company to which debt you are making the payment or even partially divide the payments to different debts. The agency can also help you with payment plans if you struggle financially.

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