Debt collectors
When a collector won’t stop
Collectors have rules too. There are limits on what they can say, when they can call and who they can tell.
They can’t threaten what they can’t do, call at all hours, tell your boss about the debt, or keep calling after you’ve asked them in writing to stop. And if you were sued, there is a deadline to answer, and missing it can cost you more than the debt did.
Bring us whatever arrived, envelope included.
Keep a log of every call: date, time, number
Don’t ignore court papers
You can ask for proof of the debt in writing
What we see most
Four ways collectors cross the line
Calls and texts that don’t stop
At work, late at night, or after you asked them to quit.
Threats and tricks
Promises of arrest, jail or wage seizure that they can’t back up.
A lawsuit you didn’t expect
Court papers from a company you never dealt with, with a deadline attached.
A debt that isn’t yours
The wrong person, the wrong amount, or an account too old to collect.
Collector questions
I got court papers. What now?
Don’t ignore them. There is a deadline to respond, and it’s short. Call us the day they arrive, or bring them to the office.
Can they call me at work?
Collectors have limits on when and where they can call and what they can say. Keep a log of every call: date, time, number and what was said.
Do I owe it if I don’t recognize the debt?
Maybe, maybe not. You can ask for proof in writing, and we can help you do it.
Stop picking up. Start writing it down.
Call us, text us or send the form. Free first consultation, in English or Spanish.
No attorney fee unless we win. Case costs are explained in writing first.