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Advice for Interacting with a Collection Agency

If you are receiving telephone calls and collection notices from a collection agency, it is because one of your creditors has assigned your overdue debt to a collection agency for collection. We have summarized some important strategies you may want to consider when dealing with a collection agency.

  • You should not ignore the telephone calls or collection notices you receive from the collection agency, as that most often leads to legal action. When ignored, the collection agency may pursue legal action to obtain judgment from the court to garnishee your wages, seize your bank account or seize other unencumbered assets, which may include filing a writ against your residence.
  • Treat the collection agents in an honest and respectful manner. The collection agent is a real person who is simply doing their job, so treat the collection agent in the same manner you would like to be treated when you are doing your job.
  • Do not be intimidated by the collection agent into making commitments that you know you are unable to meet or perform. If you are unable to make a payment or commit to a payment plan, explain your circumstances and the reasons why you are unable to pay to the collection agent.
  • If you commit to making a payment or enter into a payment plan, make sure that you follow through and meet the commitments you make.
  • Make sure that you actually owe the debt and the amount claimed to be owing is accurate. Legally, you have the right to request the collection agency provide you with a detailed statement in writing. Advise the collection agency you will not make any payments or further discuss any payment arrangements until they prove that you owe the money.


Dealing with collection agencies is unpleasant and stressful. If you find this to be a burden you are no longer capable of handling, call a Faber Trustee today to get the professional advice and protection you deserve. Schedule your free, confidential, no obligation consultation today to learn more about all of the debt restructuring plans that are available to you to eliminate your debt.

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