What do you do when a debt collector calls? In the age of caller ID, a lot of us probably ignore calls from 1-800 numbers. You never know when someone is calling to sign up you up for some service or ask you to pay up on a bill you can't afford to pay. If I'm near a computer, I Google 1-800 numbers before I pickup.
What about when you actually answer the phone and there's a debt collector on the other end? Don't panic. Don't agree to a payment until you've verified the debt is yours and you've confirmed you can and should pay it. Check out the steps to follow when a debt collector calls.
If you're receiving wrong number collection calls, you can stop them with a cease and desist letter. It's definitely a nuisance to complete that step since it's not your debt, but if you want to get law enforcement on your side, i.e. the FTC or Attorney General, the letter is a must.
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