Nothing can ruin your day like a call from a debt collector, whether you were expecting to hear from them or not. Bill collectors are pros. It’s their job to collect money, and the less reputable ones don’t even care whether you owe it or not!
If you’re not careful, you may end up saying or doing something you’ll regret – like paying a debt collector a small amount to “get him off your back” and, by doing so, extending the amount of time he can collect from you. That’s why it is essential to know you rights when dealing with a debt collector. Use our guide to figure out what to next if a debt collector calls.
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If you’re worried about how your debt could be impacting your credit, check out Credit.com’s free Credit Report Card for an easy to understand overview of the information in your credit file and your credit scores.