A collector keeps calling me about a debt I know nothing about, any ideas for me?
Collectors can be persistent, but then again, that’s their job! We advise our credit repair clients to politely ask the collector to put the request in writing and send it in the mail. You don’t know the person on the phone and it is not prudent to discuss your private financial affairs with a stranger. They will most likely try to keep you on the phone, but you should stand your ground.
Use This Credit Repair Tool
Once you get the collection letter you can send a debt validation request to the collector. This is a terrific credit repair tool. Collectors are governed by the Fair Debt Collection Practices Act which requires that they provide validation of a debt if it is requested within 30 days of the date of the collection letter.
Here are a couple of other handy pointers when confronted by a collector. Collectors are not allowed to contact you at work if you tell them that your employer does not approve of you taking such calls. Just let them know and they will not call you during working hours. You can also stop a collector from contacting you altogether by sending a cease communication letter. This is a potent credit repair tool, but should be used carefully. If a collector cannot contact you to collect, they may initiate a lawsuit. So proceed with caution.