Debt collector agency or creditor visits your home or enters your property
Contacting you through social media
Threatening you with verbal or legal threats
Stating that non-payment is a criminal offense - for most debts, it is not a criminal act if you do not pay them
Contacting you multiple times during the day
If someone claiming to be a debt collector contacts you, stay calm! The first step is to verify the identity of the debt collector and make sure it’s not a scam. Do NOT provide any of your personal information until you’ve received the debt validation letter in writing.
Here are the steps we recommend:
Review the debt validation letter and verify the amount owed, the original creditor, what the debt was for, and the identity of the collector
If you have any questions or don’t think the debt belongs to you, file a debt verification request. If the statute of limitations on the debt is close to expiring, it may also be beneficial to simply ignore the collection and wait it out.
Once you’ve verified the debt, you have a few options. You can:
Pay off the debt
Ask for the debt collector to stop contacting you. Once you make this request, they are legally required to stop contacting you, but they may escalate the case with a lawsuit
Specify how you want them to communicate with you, whether it’s through your lawyer or asking them not to call you at work
💡 Note: There’s also a chance the statute of limitations on your debt has expired (6 years in the UK), in which case the debt collectors can no longer file a lawsuit against you. DoNotPay can help you determine whether your debt has or is about to expire.
Whether you were just recently contacted or have been harassed for months, DoNotPay can help you figure out whether your debt collector is compliant with Financial Conduct Authority (FCA) guidelines. After guiding you through a series of questions, we’ll help you determine what course of action you should take, and contact the debt collectors with a demand letter on your behalf. If you choose to report the collection agency to a governing body instead, we’ll file the complaint on your behalf.
And that’s it! Once you choose the course of action you want to take, DoNotPay will handle the rest. We’ll deliver your request directly to the debt collectors via first-class mail, or file your complaint automatically with the relevant trade association or ombudsman.