Your client has been contacted by a debt collector. How do coach them to reply?
Depending on their situation, there are many different ways to respond appropriately to collectors.
You can consider using the following sample letters if you’re experiencing common problems that may come up with debt collectors and you need help responding.
- I do not owe this debt.
- I need more information about this debt.
- I want the debt collector to stop contacting me.
- I want the debt collector to only contact me through my lawyer.
- I want to specify how the debt collector can contact me.
If you use any of these letters, it’s important to do so as soon as possible after you’re first contacted, and to keep copies of any letters you send. In certain situations, you only have 30 days after you’re contacted to ask for certain information, but even if more than 30 days pass, it’s still a good idea to ask for what you need.