They bombard you with nonstop calls, harassing you all day, but answering might be the worst thing you can do. Speaking to a collection agency over the phone can be problematic for several reasons:

• No Paper Trail: Collection agencies thrive on verbal agreements that leave you with no proof. They count on you not documenting your conversations so they can twist your words or deny promises later.
• High-Pressure Tactics: These agents are trained to manipulate and intimidate you. Over the phone, they’ll push you into making hasty decisions, hoping you'll cave under pressure and harassment without having time to think.
• Trickery and Deception: Collection agencies tend to use misleading statements to get you to admit to the debt or make a payment that could restart the statute of limitations. Over the phone, they can easily distort the truth without fear of being caught.
• Scam Risks: Some agencies might not even be legitimate. Without the ability to verify who you’re talking to, you risk falling victim to scams designed to steal your money or personal information.
• Inconsistent Stories: Agents are notorious for giving inconsistent information. What one agent tells you might be completely contradicted by another, leaving you in a worse position than before.
• Emotional Manipulation: They aim to catch you off-guard, using your emotions against you to extract payments. This tactic works best over the phone, where they can pressure you directly.

At Smart Dispute, we can put an end to threatening calls and harassment while helping you restore your credit. By communicating in writing and understanding your rights, we can better protect you in dealings with collection agencies.