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Dealing with Debt Collectors: A Comprehensive Guide by Spodek Law Group


You’re here, because you need help, dealing with debt collectors. It’s a stressful situation, we get it. But, take a deep breath, you’ve come to the right place. At Spodek Law Group, we’re experts at handling even the toughest debt collection cases. Our goal? Protect your rights, and get you the best possible outcome.

Understanding Your Rights

When debt collectors come knocking, it’s crucial to know your rights. The Fair Debt Collection Practices Act (FDCPA) is a federal law, that prohibits debt collectors from using abusive, unfair, or deceptive practices. Here’s what they can’t do:

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  • Contact you at unreasonable hours (before 8 AM or after 9 PM)
  • Use profane or obscene language
  • Threaten violence or harm

False Statements

  • Lie about the amount you owe
  • Falsely imply they’re affiliated with the government
  • Misrepresent the legal status of the debt

Unfair Practices

  • Collect any interest, fees, or expenses not permitted by law
  • Deposit a post-dated check prematurely
  • Take or threaten illegal action against you

Many states also have their own debt collection laws, offering additional protections. It’s wise to familiarize yourself with both federal and state regulations.

Validating the Debt

When a debt collector contacts you, they must provide validation information, either during the initial communication or within five days after. This includes:

  • The amount of debt
  • The name of the creditor
  • A statement about your rights to dispute the debt

But, don’t take their word for it. Carefully review the information, and if anything seems amiss, dispute the debt in writing. The collector must then provide evidence that the debt is valid.

Negotiating a Settlement

If the debt is legitimate, consider negotiating a settlement. Debt collectors often purchase debts for pennies on the dollar, so they have room to settle for less than the full amount.

To negotiate effectively:

  1. Understand Your Financial Situation: Analyze your income, expenses, and assets to determine how much you can realistically afford to pay.
  2. Make the First Offer: Start low, around 25% of the total debt. Debt collectors expect you to negotiate.
  3. Get it in Writing: Once you’ve agreed on a settlement amount, get the terms in writing before making any payments.
  4. Request Removal from Credit Reports: As part of the settlement, ask the collector to remove any negative entries from your credit reports.
  5. Pay as Agreed: Stick to the payment plan or lump sum you’ve negotiated. Failure to do so may void the agreement.

Dealing with Harassment

If a debt collector violates the FDCPA by harassing you, making false statements, or using unfair practices, take action immediately:

  1. Document Everything: Keep a record of all communications, including dates, times, names, and details of what was said or done.
  2. Send a Cease and Desist Letter: Write a letter demanding that the collector stop all contact with you immediately.
  3. File a Complaint: Report the violation to your state’s attorney general’s office, the Federal Trade Commission (FTC), and the Consumer Financial Protection Bureau (CFPB).
  4. Consider Legal Action: If the harassment persists, consult an attorney about filing a lawsuit against the debt collector.

Statute of Limitations

Each state has a statute of limitations, which determines how long a debt collector can legally pursue you for a debt. Once this time period has passed, the debt is considered “time-barred,” meaning the collector can no longer sue you for it.

However, be cautious. Making a payment or acknowledging the debt in writing can “revive” the statute of limitations, giving the collector more time to take legal action.

Dealing with Lawsuits

If a debt collector does sue you, don’t ignore it. Failing to respond can result in a default judgment against you, which can lead to wage garnishment or bank account seizures.

Instead, consult an attorney immediately. They can help you understand your options, which may include:

  • Challenging the validity of the debt
  • Negotiating a settlement
  • Filing for bankruptcy protection

Remember, you have rights, and an experienced attorney can ensure those rights are protected.


Dealing with debt collectors can be overwhelming, but you don’t have to face it alone. At Spodek Law Group, we’re here to guide you through every step of the process. Our team of skilled attorneys will fight tirelessly to protect your rights and achieve the best possible outcome for your case.

Don’t let debt collectors push you around. Take control of your situation by contacting us today for a free, confidential consultation. Together, we’ll develop a strategy to resolve your debt issues and help you move forward with a fresh start.

Delancey Street is here for you

Our team is available always to help you. Regardless of whether you need advice, or just want to run a scenario by us. We take pride in the fact our team loves working with our clients - and truly cares about their financial and mental wellbeing.

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