Most people aren’t exactly excited when they pick up the phone and a credit collector is on the other end, but it is an experience that most of us have shared. If you are in debt and owe creditors, these calls at all hours of the day are only expected. Here are a few dos and don’ts to keep in mind when you pick up the telephone and a colorado collection agency is on the other end of the phone.
Do decide if you want to talk to the creditor when they call. It might seem rude to hang up, but it is a much better decision that listening to them only to hang up or to get into an altercation that stresses out the day. If you don’t want to talk, simply hang up.
Don’t get angry at the caller. They are only doing their job, after all, even when they can sometimes get a bit rude and extreme. It is best to just hang up the phone if you feel pressured by the debt collector on the other end of the phone.
Do keep a record of the calls, if you choose to accept them. You should date the name and telephone number of the collector who called as well as the resolution that you agreed upon during the conversation. This could be very helpful information at the end of the day. It’s better to be safe than to be sorry after all.
Don’t lie to the collector. If you cannot pay the debt, you cannot pay the money. Be honest and upfront with the collector when they call for the benefit of everyone involved in the situation.
Keep the information above in mind to better deal with debt collectors who call you. This information can assist you in many ways.