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Dealing with collection agents can be a stressful ordeal especially for those who can't settle their accounts immediately. However, the calls and the written reminders can be handled respectfully. Here's a guide that will help debtors respond to collection agents:
Be the first to show professionalism
Some debtors end up getting mad at the callers once they find out they're calling because of an outstanding debt. While some callers seem to be rude and impersonal, those on the other end should take the high road by keeping a courteous tone. Instead of complaining about other debts and unfair service, debtors should inquire about the source of the debt and other necessary details with the promise that they'll settle it in time.
Ask for a written notice
After making a call, collection agents are supposed to send written notices to inform the debtors of the amount they need to settle. When the conversation becomes uncomfortable, a respectful way to end it is by asking for this letter. Not only is this a necessity, but it also keeps track of what has been discussed so far. In case a person has been wrongly credited, they'll be able to refute the claim with this statement on hand. The written notice also needs to be sent within five days from the last phone call.
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Despite the numerous misconceptions, most collection agents have been trained to treat debtors with respect. With the Fair Debt Collection Practices Act (FDCPA) in place, the goal of companies and collection agencies is to reach a reasonable settlement with debtors to cut their losses.
Brennan and Clark is a business collections agency that provides customized receivables support solutions that help businesses eliminate credit losses. Visit this page for more information.
