Expert advice on handling debt collectors
CFPB: Collectors are not allowed to call more than seven times within a seven-day period, or within seven days of a previous call.
(InvestigateTV) — Debt collection calls, texts, and emails can be scary and overwhelming.
Naomi Peden, Senior Housing Counselor with Money Management International, said collection calls are getting more aggressive. Because of this, consumers, especially those who do not know their rights, feel pressured to make immediate decisions, even when it is not required.
Penden regularly hears from people who feel bombarded by collectors. She said that pressure is tied to a growing reliance on debt just to get by.
“It’s because a lot of people are now utilizing forms of debt in order to manage their everyday monthly expenses,” she explained.
Under the Fair Debt Collection Practices Act, consumers have the right to dispute or verify a debt.
Before paying or sharing personal information, Peden said to first ask for written proof of the debt and verify the caller is from a legitimate debt collector.
“The first thing that I always tell people is initially – before you make any arrangements,
any agreements with anybody – you ask them to send you validation of the debt, in writing,” she emphasized. “I’m not talking to you. I’m not going to engage in any conversations with you until I can validate that one – the debt is truly mine – and that you’re actually able to collect on it.”
Peden warned consumers to watch for red flags – like threats, pressure to pay immediately, or refusal to provide documentation. Those can be signs of a scam.
While no one should feel obligated to pay on the spot, Peden said to never ignore any actual debt.
“If you don’t, the longer that you prolong it, unfortunately the choice will be made for you,” she warned.
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