Avoid Giving Out Personal Information When You Receive an Account Services Call From a Collection Agency

When you receive an account services call from a collection agency, do not give out any personal information without first verifying the authenticity of the call. Debt collection agencies often use this tactic to try to pressure you into paying up. It is important to avoid giving out your personal information to these agents, as this can put you at risk of getting sued by the agency.

Avoid giving out personal information in response to wage garnishment

Wage garnishment is a legal process that can take your paycheck or bank account. If you receive a phone call asking for personal information, do not give it to the caller. If you have any doubts, hang up and call a legitimate source instead. Generally, you will receive a written statement from a legitimate source instead of being pressured to provide personal information.

Avoid getting sued by debt collectors

If you are receiving phone calls from debt collectors, you can avoid getting sued by following a few guidelines. Firstly, avoid answering the phone during non-business hours. In addition, you should not ask the debt collector to leave a message or ask for information from a third party. It is also against the law to make false statements to debt collectors. You should also avoid giving out any information that would enable debt collectors to access your bank account.

Another thing that you should do to avoid getting sued by debt collectors when calling account service providers is to make sure that you understand your rights. It is important to understand that debt collectors cannot remove legitimate collections from your credit history. They can only remove those items from your report after a certain period, which can be anywhere from three to 20 years. This is why it is essential to check the statute of limitations of the state where you live. If you have doubts, you can contact a legal aid attorney or the state attorney general’s office.

You should also know that debt collectors can’t contact you if you have sent them a cease-and-desist letter. However, you should still communicate with them if you want to negotiate a settlement or keep tabs on your debt status. Nevertheless, don’t forget to send a letter via certified mail with return receipt request. This way, you can avoid being served with a lawsuit if you don’t respond.

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