If you are CONTACTED by a Debt Collector:

NEVER, NEVER, NEVER!!!

NEVER give them your banking or credit card information.They will take much more than you authorize.

NEVER do 'checks by phone' as debt collectors could empty your bank account, you have no recourse.

NEVER send them money via Western Union.

REMEMBER:   Debt Collectors have NO power and NO authority and should NEVER be trusted.  They will lie and cheat you to get at your money. If it’s NOT in writing, it’s NOT a deal.

BEWARE: Paying a debt collector will NOT get an account removed from your credit.   They do NOT have that ability.

RECORD conversations with debt collectors (where legal) so they can be held accountable for breaking the law.  Is taping legal in your state:   Can We Tape

Collection Attorney Complaints can be handled by filing complaints with the various states bar ethics committees.       Visit:  Your Local State Bar

Is the debt still within your state’s statute for collection? Statute of Limitations  

Start and complete a log of every call you or your relatives or your neighbors or your employer receives from a debt collector!!!

Use the following Log page to keep a record of the Debt Collector Calls. Please Click Here To Download The Log. Please feel free to print as many copies as you need. This is a valuable tool when determining violations made by the collector. Keeping an accurate log will better assist you in recovering money from the collector.

The FTC does go after collection violators. Please click here to see what the FTC has done.

Attorneys who participate in collection litigation on a regular basis are COLLECTORS. This was established by the Supreme Court. Click here for ruling.