Dealing with a debt collection agency can be stressful, and what you say during these interactions can impact your financial and legal rights. At The Wood Firm PLLC, we help consumers navigate debt collection calls and protect them from unfair practices under the Fair Debt Collection Practices Act (FDCPA).
Here’s what you should and should NOT say when speaking to a debt collector.
What You SHOULD Say to a Debt Collector
✅ “Can you provide written validation of this debt?”
You have the right to request a Debt Validation Letter within 30 days of initial contact. This document must include the amount owed, the creditor’s name, and proof that they have the legal right to collect the debt.
✅ “I prefer to communicate in writing.”
Requesting written communication allows you to keep records and prevents miscommunication or verbal pressure tactics.
✅ “Please do not call me at work.”
Under the FDCPA, collectors must stop calling your workplace if you inform them that your employer does not allow such calls.
✅ “What is the name of your company, and who is the original creditor?”
Collectors must identify themselves and the debt they are collecting. If they refuse, this is a red flag.
✅ “I will not discuss this debt until I have received written proof.”
This protects you from scams and unverified debts.
✅ “I do not acknowledge this debt at this time.”
Never admit to owing the debt until you have verified the details. Admitting it may restart the statute of limitations, making you legally responsible for payment.
✅ “I am keeping records of this conversation.”
Let them know you are documenting all interactions, which can help in case of FDCPA violations.
What You Should NOT Say to a Debt Collector
❌ “Yes, I owe this debt.”
Acknowledging the debt may restart the statute of limitations, allowing the collector to sue you.
❌ “I’ll make a payment right now.”
Never rush into a payment—first verify the debt and ensure it’s legitimate and accurate.
❌ “I don’t have any money.”
Collectors may use this statement to pressure you into alternative payments or settlements. Instead, ask for details without disclosing your financial situation.
❌ “You can take me to court.”
Challenging them outright could escalate the situation. Instead, focus on requesting proper validation and knowing your rights.
❌ “I’ll give you my bank account details.”
Never give banking or personal financial information over the phone to a collector. Payments should be verified, documented, and made securely.
❌ “I’ll talk to you anytime.”
If you don’t set boundaries, collectors may call excessively. Instead, tell them to communicate in writing and avoid discussing your case over the phone.
Your Rights When Speaking to Debt Collectors
Under the FDCPA, debt collectors CANNOT:
❌ Call before 8 AM or after 9 PM (your local time).
❌ Use threats, harassment, or intimidation.
❌ Contact your family, friends, or employer about your debt.
❌ Misrepresent the amount owed or their authority (e.g., falsely claiming they are attorneys).
If a debt collector violates your rights, you may be able to sue them for damages.
Need Help Dealing with a Debt Collector?
If you are facing harassment, threats, or illegal collection tactics, The Wood Firm PLLC is here to help. We fight for consumer rights and hold debt collectors accountable under the FDCPA.
📞 Call us at 844-638-1122
📧 Email us at help@protectionforconsumers.com
Don’t let debt collectors intimidate you—know your rights and take action today!
