Document All Correspondence With Debt Collectors

Debt collection agencies have been busier than ever as more Americans struggle to get a handle on their debt. However, this doesn't mean that consumers don't have rights. Under the Fair Debt Collection Practices Act, consumers can dictate their communications with collectors, including when they can call (or even if they can call), and where they are allowed to contact the individual.

Even though consumers have more rights, debt collection procedures can vary from state to state, making it harder for individuals to know how to handle harassing calls. Laura Gunderson, Oregonian blog columnist, urges consumers to request documentation for every communication or agreement made with a debt collector to protect themselves from adverse actions.

Getting important agreements in writing will prevent debt collectors from going back on their word or refusing to comply with the terms of the verbal negotiation. Failing to obtain documented agreements may also make consumers more liable for their debt if the account goes to court.

Consumers facing large amounts of debt should seek debt relief through consumer advocates, who provide consultations and services at lower costs to the individual.