ACCC’s Client Login allows current clients to access their program information, including the due date, program benefits, and other documents.

Select a Client Login below based on the service that you are currently enrolled in:

Debt Management Program

Client Login

Bankruptcy

Pre-Bankruptcy Client

Post-Bankruptcy Client

Not yet a client, but looking to get started?

ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

Get Started

Wait!

You are now leaving the Consumer Credit website and are going to a website that is not operated by ACCC. We are not responsible for the content or availability of linked sites.

Are you sure you want to leave?

No, return me to the previous page.

Yes

How To Deal With Debt Collectors

deal with debt collectorsThere is every possibility that your consumer debt can get out of hand which may lead to dealing with debt collectors. Debt collection tactics are annoying and tough to handle. Therefore, it is important to know how to deal with debt collectors. This way you can assert your rights and choose the best way of managing debt.

How to Deal With Debt Collectors

Here are some tips on how to deal with debt collectors if you ever have to face them.

Do Not Pay at First Contact

It is a scary situation when debt collectors contact you about your debt. However, make sure you don’t jump at the payment on the first contact itself. Take time to understand the terms and think through your options. Avoid giving out any payment information to the debt collectors. Make sure you ask for information on the debt and say you’ll call back to discuss it later.

Gather the Facts

When the original creditor sells a debt to a third party, many sold debts have errors about the amount owed or even who owns it. An article on NerdWallet suggests that you take the following precautions.

  • Request a validation letter from the debt collector if you don’t receive one within five business days of the first contact. It should include details on the debt, the collection company and how to challenge the debt.
  • Gather your own records on the debt, if it’s yours, including information on the original creditor and your history of payments
  • Keep good records of communication with the debt collector and any payments previously made. You may want to use certified mail for the best documentation.

Know Your Rights

According to the Fair Debt Collection Practices Act, you have the following rights.

  • Communication: You can specify how and when debt collectors can contact you — and that they cease communication altogether. Debt collectors are prohibited from using profane language or threatening violence.
  • Honesty: Debt collectors cannot mislead you about who they are, how much money you owe or the legal repercussions of not paying your debt — for instance, by threatening arrest.
  • Challenging the debt: You have a right to dispute the debt. If you challenge the debt within 30 days of the first contact, the collector cannot ask for payment until the dispute is settled. After 30 days you can still challenge the debt, but the collector can seek payment while the dispute is being investigated.

If you are seeking help with a debt management plan, speak with a certified counselor at ACCC today. Call 800-769-3571. 

ABOUT AUTHOR / Dilini

Dilini is a Marketing Communications & Programs Associate at ACCC. To anyone, managing finances can be a real challenge! Any tips and tricks to help get through this are great! Dilini will share her experiences, tips, and tricks along the way through the Talking Cents blog. Stay tuned!

View all author posts →

Dev Tool:

Request: blog/how-to-deal-with-debt-collectors
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=how-to-deal-with-debt-collectors
Loaded Template: single.php