How to outsmart a Collection Agency

 

How to outsmart a Collection Agency

Photo 181837913 © Andrey Popov | Dreamstime.com

Never Pay a Collection Agency Directly Without Determining the Legitimacy of the Debt. Sometimes, a debt collection company may reach out to you mistakenly or illegally.

 A debt collection call also could be a scam. Never pay the money without first investigating the legitimacy and legality of the call.

 In your dealings with a Debt Collector:

• Keep a record of all communication with debt collectors.
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• Send a Debt Validation Letter and force them to verify your debt.
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• Write a cease-and-desist letter.
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• Explain the debt is not legitimate.
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• Review your credit reports.
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• Explain that you cannot afford to pay.

Research the debt, especially a broken lease:

    Find out when your apartment was re-rented; you are not responsible for rent once the apartment complex has a new tenant,

    Does the “make ready” expense minus your deposit seem excessive? Determine what the trrue amount should be.

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