Harassing phone calls
1. Always record the date and time of any phone call you receive from a collector. Whether you speak with someone or not, jot down the date and time of the call, along with what collection agency was contacting you. 2. If a message is left on your voice mail or answering machine, always tape record the message because some voice recorders delete messages after a certain amount of time. 3. If you have caller ID, take a picture of the caller ID screen to show what was indicated on the ID. 4. After speaking with a collector, always jot down notes of the conversation after you hang up. Write down everything you can remember about the conversation, especially specific things that the collector said.
1. Always save any documentation you receive from a collection agency. 2. Always respond to a collection letter in writing asking for verification of the debt and denying that you owe the debt. Keep a copy of everything you send to a debt collector. Present all of this information to an attorney if you are hiring that attorney to represent you in an FDCPA lawsuit. This information will greatly assist the attorney in bringing your case.
****NONE OF THIS IS MEANT TO BE LEGAL ADVICE FOR ANY SPECIFIC MATTER. THIS IS SIMPLY ONE ATTORNEY'S SUGGESTIONS ON HOW TO STRENGTHEN AN FDCPA CASE AGAINST A COLLECTOR. FOLLOWING THESE GUIDELINES WILL NOT GUARANTEE SUCCESS IN A LAWSUIT.****