12 tips for negotiating with debt collectors
By Lucy Lazarony • Bankrate.com
http://www.bankrate.com/brm/news/cc/20031020b1.asp
When you bargain with a debt collector, you're going head-to-head with a tough, professional negotiator. Following these tips can help you come out ahead.
Learn your rights.
When collecting a debt from you, a debt collector must play fair. For details, check out this consumer brochure on fair debt collection from the Federal Trade Commission.
A free consumer brochure on debt collection is also available from the National Consumer Law Center. Call NCLC's Publications Department at (617) 542-9595 and ask for a copy of What You Should Know About Debt Collection.
Many states have their own debt collection laws. For more information, contact the attorney general's office in your state. To find your state's attorney general, click here.
"When you know your rights, debt collectors know they can't get away with certain things," says Gerri Detweiler, author of The Ultimate Credit Handbook. "They're less likely to try aggressive tactics."
Prioritize your bills.
No matter what a debt collector says, an unpaid credit card bill is not the most important bill you have to pay this month. Providing necessities for your family comes first. These 16 rules will help you prioritize your debts.
"It does not make sense to put yourself in a position that you can't pay necessary bills," Detweiler says.
Estimate how much you can pay and offer less.
"Don't do anything you can't afford to do," says John Ventura, consumer attorney in Brownsville, Texas and author of the e-book Stop Debt Collectors Cold. "And don't do anything dangerous."
Avoid sending postdated checks to a debt collector or agreeing to automatic electronic payments from your checking account.
"Presuming goodwill on the other side gets people in trouble," Ventura says.
Don't tell them your life story.
"Don't go into a lengthy explanation of why you can't pay," Detweiler says. "They don't have a lot of sympathy. This is what they do for their job. They hear down-on-your-luck stories day in and day out."
Keep private information private.
Don't give a debt collector personal information such as where you work, where you bank or your checking account number.
"Say as little as possible and stick to the facts," Detweiler says.
Stay calm and focused.
No matter what a debt collector says, keep your cool and stay focused on the negotiation.
"The more in control you sound and the less you fall apart, the more likely you are to get what you want out of the negotiation," Detweiler says.
Tape the call if you can.
Flicking on a tape recorder is a great way to keep a debt collector in line. Plus, you get a record of the call.
Thirty-five states and the District of Columbia allow you to secretly tape your phone conversations. For a listing of states, check out this chart.
In the other 15 states, you can tape with the other party's permission. And if you tell the debt collector you are going to tape and he or she keeps talking, that's considered giving permission.
"Taping the conversation may keep them on their best behavior," Detweiler says.
Take notes.
File all collection letters and keep detailed notes of collection calls. Note the day and time of each call, the name of the collection agency, the first and last name of the caller and what was said.
"Make sure there's a record," Ventura says. "If you've made a deal with them, get proof."
Get proof of payment agreement in writing.
"Get it in writing," says Jerry Jarzombek, a consumer attorney in Fort Worth, Texas. "If they told you half of it satisfies the obligation and that's what you want to do, have it in writing."
Send a letter to the debt collector outlining the payment agreement. You'll want to send this letter via certified mail so you'll receive a receipt once the letter is delivered. Keep a copy for your records.
If you plan to pay by check, add the following disclaimer: "Cashing this check constitutes payment in full." Write this right on the check.
Wipe your credit clean.
Ask a debt collector to remove any negative information they've placed on your credit report. At the very least, insist that your account be listed as paid in full rather than paid in settlement. Once they agree, get it in writing.
Don't be rushed.
A debt collector will push and push for you to send them money immediately. Don't do anything until you have confirmation of a payment agreement in writing.
"Because you need it in writing, you have to resist all those demands and quick offers to do it overnight," says Mary Fons, a consumer protection attorney in Stoughton, Wisc.
Negotiate at the end of the month.
Because commissions for debt collectors are based on what they do each month, you may want to try negotiating near the end of the month. You could land a really good deal.
Bankrate.com's corrections policy -- Posted: Oct. 20, 2003
12 Tips For Negotiating With Debt Collectors
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12 Tips For Negotiating With Debt Collectors
Post by David A. Szwak »
David Szwak
Chairman, Consumer Protection Section, Louisiana State Bar Association
Bodenheimer, Jones & Szwak
509 Market Street, 7th Floor
Mid South Tower
Shreveport, Louisiana 71101
318-221-6444
Fax 318-221-6555
Chairman, Consumer Protection Section, Louisiana State Bar Association
Bodenheimer, Jones & Szwak
509 Market Street, 7th Floor
Mid South Tower
Shreveport, Louisiana 71101
318-221-6444
Fax 318-221-6555
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- General Discussions, Registration and Debt Collection-Related News Stories
- ↳ General Discussion
- ↳ News Stories, Articles and Outlines Regarding the FDCPA, Collection Abuses and Debt Collection Issues
- ↳ Social Security and VA [Veterans Administration] Benefits: Can They Be Garnished?
- ↳ Bad Faith Actions: Can Collector Sue You For Fees/Costs?
- ↳ Attorneys: Are They Debt Collectors?
- ↳ Collectors Suing Consumers in the Wrong Venue
- ↳ Least Sophisticated Consumer: What Is It and When Does It Apply?
- ↳ Strict Liability Under the FDCPA
- ↳ Time-Barred Debts: Can These Be Collected On?
- ↳ Threats to Take Action Which Cannot Be Legally Done
- ↳ Harassing, Oppressing or Abusing the Debtor: 15 USC 1692d
- ↳ Unauthorized Practice of Law: Debt Collectors Pretending to be Lawyers or Implying That They Act Like Lawyers
- ↳ Junk Debt Buyers: Who Are They and What Do They Do?
- ↳ Violations of the Automatic Stay and Discharge Order[s] By Debt Collection Acts or Omissions
- ↳ Bad Checks: Collection of Dishonored Checks
- ↳ Demand For Immediate Payment: Is It an FDCPA Violation?
- ↳ Debtor Confusion by Vague or Deceptive Communication
- ↳ Calling Debtors at Work? Calling Friends and Family? Is That Permissible?
- ↳ Mini-Miranda Warning/Notice Mandated By the FDCPA
- ↳ Unjust Enrichment: Louisiana
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- ↳ Quotes: On Debt Collection and Its Abuses
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- ↳ False Representation That Communication is From an Attorney
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- ↳ Unfair Practices By Collectors
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- ↳ Deceptive Forms and Letters: Collector's Use Violates FDCPA
- ↳ Class Actions Under the FDCPA
- ↳ Statute of Limitations [Also Called Prescription Period]: How Long Do Creditors/Collectors Have to Sue You on an Alleged Debt?
- ↳ Excessive Phone Calls, Use of Autodialers and Scripted Messages
- ↳ Pleading Ground Rules: What is Required in Federal Court?
- ↳ Threats to Turn In a 1099-C to the IRS
- ↳ Re-Aging: Debt Collector's Efforts to Revive Obsolete Reportings
- ↳ Can Debt Collectors Curse You or Engage in Name-Calling?
- ↳ FTC Holder Rule: Assignee/Holder of Consumer Credit Contract is Subject to All Claims and Defenses Consumer Has Against Original Seller/Retailer: 16 C
- ↳ Credit Reporting of Unliquidated Claims, Speculative Claims and Unenforceable Claims
- ↳ Debt Collector Misrepresenting Affiliation: 15 U.S.C. 1692e[9]
- ↳ Arbitration, Forum Selection, Choice of Law, Choice of Venue and Other Adhesionary Clauses
- ↳ Additional Collection Fees, Interest, Surcharges and Other Assessments
- ↳ Potential Exposure For Sanctions Due to Filing Bad Faith FDCPA Cases: 15 U.S.C. 1692k[a][3], 28 U.S.C. 1927, and Fed.R.Civ.Proc. 11
- ↳ Collection of Parking Tickets, Traffic Citation Charges, Court Costs and Other Governmentally-Imposed Debts
- The Fair Debt Collection Practices Act: Statute and Definitions
- ↳ FDCPA, 15 USC 1692, et. seq.
- ↳ FDCPA: Purposes and Policies
- ↳ Communication: Specifically Defined Under the FDCPA
- ↳ Consumer : Who is a "Consumer"?
- ↳ Creditor : Who is a Creditor Under the FDCPA?
- ↳ Debt: What Constitutes a "Debt" as Defined by the FDCPA? 15 U.S.C. 1692a[5]
- ↳ Debt Collector: Who is a Debt Collector?
- Cease and Desist Letters, Dispute Letters, and Validation Letters
- ↳ Validation Notice Under the FDCPA
- ↳ Dispute Letters to Collectors
- ↳ Cease and Desist: Calling Off the Debt Collection Dogs: How Do You Do It?
- ↳ Envelopes Marked Up
- Types of Damages, Remedies, and Awards Under the FDCPA and Related State Law Claims
- ↳ Jury and Bench Trial Verdicts and Awards
- ↳ Attorneys' Fees, Costs and Other Non-Damage Awards
- ↳ Injunctive Relief: Can I Get It Under the FDCPA?
- ↳ Declaratory Judgment Relief: Can I Get It Under the FDCPA?
- ↳ Damages Available Under the FDCPA
- Jurisdiction, Venue, Removal to Federal Court, Remand to State Court, and Other Jurisdiction Issues
- ↳ Personal Jurisdiction in FDCPA Cases
- ↳ Jurisdiction and Venue: Where Can You Bring Your FDCPA Lawsuit?
- ↳ Removal to Federal Court and Remand to State Court: Important Considerations When Suing or Being Sued: Do You Want to be in Federal Court or State Cou
- Respondeat Superior, Vicarious Liability, and Whether Others Are Liable
- ↳ Vicarious Liability/Respondeat Superior For Violations of the FDCPA
- FDCPA Preemption, Immunity, Bona Fide Error Defense, and Qualified Immunity
- ↳ FDCPA: Preemption of State Laws
- ↳ Bona Fide Error Defense: The Loophole
- Do You Have a Right to Bring Claims and How Long Do You Have?
- ↳ Standing: An Important Question
- ↳ Statute of Limitations: How Long Do You Have to Sue?
- FDCPA Litigation Strategies and Procedural Issues and Law
- ↳ Settlements, Releases, Confidentiality and Other Things You Need to Kow and Consider If You Settle Pre-Trial
- ↳ Offers of Judgment In FDCPA Litigation
- State Debt Collection Statutes, Cases and Laws
- ↳ Alabama: Debt Collection Act
- ↳ Alaska: Debt Collection Act
- ↳ Arizona: Debt Collection Act
- ↳ Arkansas: Debt Collection Act
- ↳ California: Debt Collection Act
- ↳ Colorado: Debt Collection Act
- ↳ Connecticut: Debt Collection Act
- ↳ Delaware: Debt Collection Act
- ↳ Florida: Debt Collection Act
- ↳ Georgia: Debt Collection Act
- ↳ Hawai'i: Debt Collection Act
- ↳ Idaho: Debt Collection Act
- ↳ Illinois: Debt Collection Act
- ↳ Indiana: Debt Collection Act
- ↳ Iowa: Debt Collection Act
- ↳ Kansas: Debt Collection Act
- ↳ Kentucky: Debt Collection Act
- ↳ Louisiana: State Debt Collection Act
- ↳ Maine: Debt Collection Act
- ↳ Maryland: Debt Collection Act
- ↳ Massachusetts: Debt Collection Act
- ↳ Michigan: Debt Collection Act
- ↳ Minnesota: Debt Collection Act
- ↳ Mississippi: Debt Collection Act
- ↳ Missouri: Debt Collection Act
- ↳ Montana: Debt Collection Act
- ↳ Nebraska: Debt Collection Act
- ↳ Nevada: Debt Collection Act
- ↳ New Hampshire: Debt Collection Act
- ↳ New Jersey: Debt Collection Act
- ↳ New Mexico: Debt Collection Act
- ↳ New York: Debt Collection Act
- ↳ North Carolina: Debt Collection Act
- ↳ North Dakota: Debt Collection Act
- ↳ Ohio: Debt Collection Act
- ↳ Oklahoma: Debt Collection Act
- ↳ Oregon: Debt Collection Act
- ↳ Pennsylvania: Debt Collection Act
- ↳ Rhode Island: Debt Collection Act
- ↳ South Carolina: Debt Collection Act
- ↳ South Dakota: Debt Collection Act
- ↳ Tennessee: Debt Collection Act
- ↳ Texas: Debt Collection Act
- ↳ Utah: Debt Collection Act
- ↳ Vermont: Debt Collection Act
- ↳ Viriginia Debt Collection Act
- ↳ Washington: Debt Collection Act
- ↳ West Virginia: Debt Collection Act
- ↳ Wisconsin: Debt Collection Act
- ↳ Wyoming: Debt Collection Act
- Debt Collection Companies and Attorneys: AAAAAA
- ↳ Account Solutions Group
- ↳ Alegis/Sherman Acquisitions/Performance
- ↳ Allied Interstate f/k/a Coldata
- ↳ Allen, Lewis & Associates
- ↳ Alliance One
- ↳ Allstate Financial/Allstate Adjustment
- ↳ Aman Collection Service
- ↳ American Acceptance a/k/a National Acceptance
- ↳ American Coradius
- ↳ American Legal Recovery
- ↳ Ameriquest Recovery Services
- ↳ AMO Recoveries
- ↳ Ariel Financial Services
- ↳ Arrow Financial Services
- ↳ Asta Funding a/k/a Palisades Collections
- ↳ Asset Acceptance Corp.
- ↳ Atlantic Credit & Finance
- ↳ Attention, LLC
- ↳ Apex Financial A/K/A Hilco Receivables
- Debt Collection Companies and Attorneys: BBBBBB
- ↳ Barnes, Curtis a/k/a Calfin a/k/a Con-America
- ↳ Barnford, Thomas a/k/a Elder, Timothy a/k/a Con-America a/k/a CACV/CACH
- ↳ Baumann Law Firm
- ↳ Bay Area Credit Services
- ↳ Bennett & Deloney
- ↳ Boivin, Lawrence Law Firm
- ↳ Booska, Steven Law Offices
- ↳ Boyajian Law Offices
- ↳ Bronson & Migliaccio
- ↳ Buffaloe & Associates
- ↳ Burgess, Douglas Law Offices
- ↳ Burak, Donald Law offices
- ↳ Bureaus Inc.
- ↳ Burke, Edward T. & Associates
- ↳ BOSS: Business Office Systems and Solutions
- Debt Collection Companies and Attorneys: CCCCCC
- ↳ California Financial Credit Association
- ↳ Cambece, James
- ↳ Capital Corporation AKA Capital Collections
- ↳ Capital Management Services
- ↳ Capital One Bank and its Sister Entities [including Westmoreland Agency]
- ↳ Cavalry Portfolio Services
- ↳ Client Services, Inc.
- ↳ Cohen & Slamowitz a/k/a Gemini Recoveries
- ↳ Collect America a/k/a CACV a/k/a CACH
- ↳ CMKS Holdings, LLC a/k/a Stouwie & Mayo, PLLC
- ↳ Coldata Collection Agency
- ↳ Collect Corp.
- ↳ Collectech Systems
- ↳ Collins Law Office
- ↳ Colonial Credit Corp.
- ↳ Colorado Capital Investments
- ↳ Commonwealth Financial Systems
- ↳ Consumer Recovery Associates
- ↳ Continental Credit
- ↳ Collecto, Inc., d/b/a Collection Company of America
- ↳ Continental Fairways
- ↳ Convergys
- ↳ CPS Investigations
- ↳ Credit Collection Service
- ↳ Credit One, LLC
- ↳ Credit Store [The Credit Store]
- ↳ Credit Systems International
- ↳ Creditors Financial Group
- ↳ Creditors Interchange Receivable Management, LLC
- ↳ Capital Recovery Service [CRS]
- ↳ C. Water Recovery
- ↳ Credit Bureau of the South
- ↳ Credit Collections, Inc.
- ↳ Credigy Receivables
- ↳ Cadle Co., Inc.
- Debt Collection Companies and Attorneys: DDDDDD
- ↳ D.C. Credit Services a/k/a David Cohen
- ↳ De Lage Landen Financial Services
- ↳ Daniels & Norelli, P.C. a/k/a Con America
- ↳ DeFede, John A. Esq. [John Defede, Esq.]
- ↳ DeJana, Richard Esq. [Richard DeJana, Esq.
- ↳ Delta Group aka Joseph, Ortiz & Epstein, LLC
- ↳ Dendy, Michael D. Esq.
- ↳ DMG Consulting
- Debt Collection Companies and Attorneys: EEEEEE
- ↳ Ebbets Partners
- ↳ eCast Settlement
- ↳ Elder, Timothy L. / Barnford, Thomas K.
- ↳ Elite Recovery Services, Inc.
- ↳ Ellis Crosby and Associates
- ↳ Encore Receivable Management
- ↳ Endeavor Financial Partners, LLC
- ↳ ER Solutions
- ↳ Eskanos & Adler, PC
- ↳ Estate Recoveries
- ↳ Evans Law Offices
- ↳ ED Fund
- Debt Collection Companies and Attorneys: FFFFFF
- ↳ Financial Credit Services
- ↳ FBCS Federal Bond & Collection Service
- ↳ Federal Credit Corp.
- ↳ Federal Credit Recovery/FCR Offices
- ↳ First Revenue Assurance
- ↳ French, WC (Bill), Law Offices of
- ↳ First Nationwide Resource Group
- ↳ Federal Adjustment Bureau
- Debt Collection Companies and Attorneys: GGGGGG
- ↳ Go-More Financial, Inc.
- ↳ GC Services
- ↳ Gemini Recoveries, Inc.
- ↳ Giove Law Office, P.C.
- ↳ Global Acceptance Credit Company (GACC)
- ↳ Global Asset Investigation Services, LLC
- ↳ General Revenue Corp.
- ↳ Goggins & Lavintman, PA
- ↳ Gulf State Credit
- ↳ Great Seneca Financial Corp.
- ↳ Greenberg, Grant & Richards, Inc.
- Debt Collection Companies and Attorneys: HHHHHH
- ↳ Hanna, Frederick J. & Assoc.
- ↳ Harker, John W. [CACV]
- ↳ Harrison Ross Byck, Esq.
- ↳ Harry Cohn and Scott M. Miller
- ↳ Hosto and Buchan
- ↳ Household Recovery Services Corp.
- ↳ Hudson & Keyse, LLC
- ↳ Hull & Associates, P.C.
- Debt Collection Companies and Attorneys: IIIIII
- ↳ Integrity Resolution Group, LLC
- ↳ International Portfolio Management
- Debt Collection Companies and Attorneys: JJJJJJ
- ↳ Javitch, Block & Rathbone L.L.P.
- ↳ Joseph, Ortiz & Epstein, LLC a/k/a Delta Group
- Debt Collection Companies and Attorneys: KKKKKK
- ↳ Kay, Mitchell N., P.C. [Law Offices]
- ↳ Kravitz, Schnitzer, Sloane, Johnson & Eberhardy, CHTD
- Debt Collection Companies and Attorneys: LLLLLL
- ↳ Lenahan Law Offices
- ↳ Lang, Richert & Patch
- ↳ LDG Financial Services II, LLC
- ↳ Leasecomm Corporation
- ↳ Legal Recovery Services, Inc.
- ↳ LHR, Inc.
- ↳ Love, Beal & Nixon, PC
- ↳ Lowery, Scott P., P.C. a/k/a CACH, LLC
- ↳ LTD Financial Services, L.P.
- ↳ LVNV Funding, LLC
- Debt Collection Companies and Attorneys: MMMMMM
- ↳ Magnus Services, Inc.
- ↳ Mann-Bracken, LLC
- ↳ Marauder Corporation
- ↳ McKelvey Law Office
- ↳ Meadows Law Office - Sheree Meadows
- ↳ Mel S. Harris & Associates
- ↳ Merchant's Credit Guide Co.
- ↳ Messerli & Kramer
- ↳ Midland Credit Management, Inc.
- ↳ Mims, Jerry M., Lawyer
- ↳ Moore, Gerald E. & Associates
- ↳ MRS Associates, Inc.
- ↳ Myers & Porter, Attorneys
- Debt Collection Companies and Attorneys: NNNNNN
- ↳ NCO Financial
- ↳ National Action Financial Services, Inc.
- ↳ National Acceptance
- ↳ National Asset Management
- ↳ National Asset Services Co.
- ↳ National Attorney's Network
- ↳ National Credit Adjusters
- ↳ National Enterprise Systems
- ↳ National Financial Systems
- ↳ National Revenue Corporation
- ↳ Nationwide Capital Recovery
- ↳ Nationwide Credit, Inc.
- ↳ Neuheisel Law Firm, PC
- ↳ New Horizon Credit, Inc.
- ↳ New Vision Financial
- ↳ North Shore Agency
- ↳ North Star Capital Acquisitions, LLC
- ↳ Northeast Credit & Collections
- Debt Collection Companies and Attorneys: OOOOOO
- ↳ Omnia Credit Services
- ↳ O'Neill Management, Inc. Investigators
- ↳ Ozark Capital Corporation
- ↳ OSI/Outsourcing Solutions
- Debt Collection Companies and Attorneys: PPPPPP
- ↳ Performance Capital Management
- ↳ Pacific Coast Collections (Alliance One)
- ↳ Palisades Collections, LLC
- ↳ Penn Credit Corporation
- ↳ Phillips & Burns, LLC
- ↳ Phillips & Cohen Associates, Ltd.
- ↳ Pinnacle Asset & Capital Management Grp, LLC
- ↳ Plaza Associates
- ↳ Portfolio Exchange
- ↳ Portfolio Management of Amherst, LLC.
- ↳ Portfolio Recovery Associates, LLC
- ↳ Preferred Platinum Plan
- ↳ Prime Asset Recovery, Inc. / www.giovelawofficeexposed.com
- ↳ Pro Collect, Inc.
- Debt Collection Companies and Attorneys: QQQQQQ
- ↳ Quadrant Group LLC - The Recycle Shop
- Debt Collection Companies and Attorneys: RRRRRR
- ↳ Ranieri, Christopher, Law Office of
- ↳ RCS Centre Corp.
- ↳ Redline Recovery Services, LLC
- ↳ Regent & Associates, P.C.
- ↳ Resurgent Capital Services / Sherman Acquisitions
- ↳ Reynolds, Jacobson & Sloane, Attorneys
- ↳ Riddle [Jessie Riddle] & Associates
- ↳ Risk Management Alternatives (RMA)
- ↳ RJM Acquisitions, LLC
- ↳ Roach, Larry, Law Offices of
- ↳ Rosenthal & Colby, Inc.
- Debt Collection Companies and Attorneys: SSSSSS
- ↳ Sherman Acquisitions
- ↳ Sagres Company, (the)
- ↳ Scherr, Harold E. , Attorney / Con-America
- ↳ Schreiber and Associates, PC.
- ↳ Shekinah, Inc.
- ↳ Sherman Financial Group/Alegis (SDB)
- ↳ Specified Credit Association
- ↳ Stanley Weinberg & Associates
- ↳ Steinbrenner, Carl A.
- ↳ Stevens & James Debt Collectors
- ↳ Sky Recovery Services
- Debt Collection Companies and Attorneys: TTTTTT
- ↳ Tabula Rasa, Inc.
- ↳ Taylor, Jay A., PC [Jay A. Taylor, Esq.]
- ↳ Titan Recovery Group
- ↳ Transcontinental Adjustment Corp.
- ↳ Trauner Cohen & Thomas f/k/a Trauner King & Cohen
- ↳ Triadvantage Credit Services
- Debt Collection Companies and Attorneys: UUUUUU
- ↳ Unifund Group Corp. a/k/a Unifund CCR Partners, LLC
- ↳ United Creditors
- ↳ United Legal Corp.
- ↳ United Recovery System
- ↳ US Audit Control
- Debt Collection Companies and Attorneys: VVVVVV
- ↳ Van Ru Credit Corp.
- ↳ Varde
- ↳ Vasques, Luis, Attorney [Luis E. Vasques, Esq.]
- Debt Collection Companies and Attorneys: WWWWWW
- ↳ Wexler & Wexler, PA
- ↳ Wolpoff & Abramson, LLP
- ↳ Weltman, Weinberg & Reis
- ↳ Wendt Law Offices
- ↳ West Asset Management
- ↳ Westmoreland Agency [Capital One Bank]
- ↳ Winn and Sims, PC
- ↳ Wolf, Jack, PA [Jack Wolf, Esq.]
- ↳ Wolpoff & Abramson, LLP
- ↳ Wolter, Warren H, Attorney [Warren H. Wolter, Esq.]
- ↳ Worldwide Asset Purchasing, LLC
- ↳ Wright, Makel Ann, Esq. [Makel Ann Wright, Esq.]
- Debt Collection Companies and Attorneys: ZZZZZZ
- ↳ Zenith Acquisitions Corporation
- ↳ Zwicker & Associates, PC