How to Deal With Debt Collectors and Erroneous Debt

Debt collectors may claim that you owe an unrecognized amount. You don't have to pay erroneous debt. However, debt collectors will continue collection efforts until you take steps to prove that you don't owe the money. Several techniques can help you deal with debt collectors and stop mistaken collection attempts.

Instructions

1

Answer all letters written by the debt collector. Turning a deaf ear to collection attempts does not stop the problem. Speak with collectors to resolve legitimate debt or dispute erroneous debts. Ignoring collection efforts can end with a lawsuit or credit judgment.

2

End phone calls with a request. Politely ask the debt collector to stop calling your house or employer. According to the Federal Trade Commission, collectors must abide by your wishes upon request.

3

Contest the debt with a letter to the debt collector. Assert that you do not owe the debt in question. Instruct the debt collector to forward written proof that you owe the company money. Tell the collector to halt collection attempts until they comply with your request.

4

Save a copy of the dispute letter mailed to the debt collector. Use certified mail service to forward your dispute letter.

5

Establish an installment plan to remedy legitimate debts. If the debt collector can prove that you owe the money, satisfy the balance quickly to avoid credit damage (collection account, lawsuit or judgment). Discuss an affordable payment plan, or pay off the balance with one check or money order, if doable. Keep duplicates or copies of money orders or checks written to rectify debts.