Most of the time we panic when we see debt collectors, without even knowing that we have certain right that we can avail when the debt collectors come to your place. Here are some:

Ask for Information in Writing

The collector needs to send you a notice in writing wherein they state the amount you owe within almost five days. There are some that using Collection Management Mobile App Companies and they get benefits from automated services. He should also mention the creditor’s name and what action will be taken against you if you do not agree that you owe the amount. So, before you get into an argument or a long conversation with the Debt Collection Software Companies ask for written information.

If you think you do not owe money, you can disagree, but in writing.

If you send a letter to the collection agency within one month of getting the notice in writing, stating that you do not owe any amount, the collector cannot approach you. Do not forget to maintain the record of the copy of proof of your debt. You can even contact with Debt Recovery Software Companies to maintain each and everything in a careful manner. If you present the copy of invoice the collection agency can renew the activities related to the collection.

Keep track of messages and phone calls

You can maintain a file which has notes of phone conversations and records of correspondence received from the collector and sent to the collector. The record should have the date and the exact time of every call received regarding collection. The name of the Accounts Receivable Management Software agency, the amount they say you owe and brief summary of the entire conversation. These records can help in case the collector breaks the debt law.

Debt Collectors too have many restrictions. Let us have a look at them

• Cannot use abusive language


• Cannot harass you by calling you repeatedly


• Cannot call you before 8 am and after 9 pm without your permission


• Cannot call you at workplace if you have asked them not to call


• Talking to someone else about your debt


• Presenting false amount of the debt you need to pay


• False threatening by collector until there is any legal action taken

Keeps the calls short and remain firm

 If the collector calls you do not continue to talk for a long time. They are trying to interview you and interrogating you. They are trying to make out if you are in a position to pay. So keep the conversation short.

In some cases where property issue are involved, there are some agencies who provide NPA Management Software services where their field agents and make sure that they lock-up the property and leave it secure.

Collection of debts is a sensitive issues and if not handled with easy and sensitively it can lead to problems and since money is involved people land in spending more money rather than collecting it from others.