Debt Collector Calling? Here's What to Say
An unexpected caller asks for your name, address, or other personal information. You don't know them, and they called you. You are allowed to slow the conversation down and move it onto paper.
1. Start here
Caller: “Can I speak with [name]?”
You: “Who are you, what company do you represent, and what is the purpose of this call?”
2. What do they say next?
3. Say this
You: “I do not provide information to unsolicited callers. Give me your name, your company's full legal name, mailing address, telephone number, and license number. I am not verifying anything for you.”
If they refuse to identify the business, end the call and document the refusal.
After the call
- Write down the date, time, telephone number, caller's name, company, address, and exact statements.
- Save any voicemail, text message, email, or letter.
- When written information arrives, review it before doing anything else.
- If you dispute the claim, respond in writing and use trackable mail.
- Never ignore genuine court papers. A lawsuit has deadlines that a telephone call does not.
Want the paperwork side of this?
Read the free debt-validation guide and letter template.Educational information only, not individualized legal advice. Debt-collection rules and limitation periods can vary by state.