How I Handled a Debt Collector

Not too smart, expect a return call.

I would not antagonize them. This kind of behavior is a quick way to court. And the call was recorded, so if they want to use it in court, it will not look good for you. Best option is to use the FDCPA to protect your rights.

I agree....what you did is foolish and makes you look like a smart *** and a difficult debtor. Expect your file to be sent to an attorney.

You're not the first person deal with a debt collector this way, and you won't be the last, so don't beat yourself up over it. I definitely discourage my client from engaging in this kind of exchange w/ collectors, but I have been able to help my hot-headed clients who develop FDCPA cases by reminding my oppoents that my client isn't the one regulated by federal law. You just want to be the one wearing the 'white hat'. At this point, put all future contact with the collector in writing and make a written demand that they stop contacting you (send it certified, return receipt). Good luck and keep your cool.

I bet you felt good, Toby, smarting off to the collector. And, I bet the collector feels like he wants to argue some more. He'll be calling you again.

I bet you felt good, Toby, smarting off to the collector. And, I bet the collector feels like he wants to argue some more. He'll be calling you again.

i rceived a letter from a lawyer stating i owe $5,000 on my citi bank card. my original bill was $2,800. they said if i call they were informed to offer me discount or a reasonable payment plan. if i don't respond in 30 days they will turn it over to the courts. should i deal with them or let a judge decide how much i have to pay. i am unemployed and fell into hard times.

First, send a debt validation letter to them. Send in CMRRR. They are required to cease collection activity until they validate the debt. You can find a sample letter on this site. Do niot make an agreement without validation. Once they validate, then you can make an arrangement. If you are unable to afford a payment plan, then tell them your actual situation. If they file a suit, then make sure that you show up for the court date. If not, they will get a default judgement, and probably for the full amount they are seeking.

Get a address to the company and who they are collecting from
and sent a certifiesd letter of denial and request for civil suit vs
continuued calls or mail. They do not want to go to court.