I was thinking, perhaps I should come up with some rules that I would recommend using when dealing with debt collectors/scammers. Obviously I’m not a lawyer so don’t take this as iron clad legal advice. This is just a list of rules I’ve developed for when I’m talking to these types of organizations/people.
- Take notes. I have a little notebook that I carry with me everywhere. I think it’s important to have an actual physical notebook. It’s easy, cheap, you can use it while on the phone, etc. Even if you don’t want a physical notebook, you should take notes. Memories change with time so having a definite record of what transpired is vital.
- Don’t admit to owing the debt, even if you think you might. I don’t know how legit it is but I had once been told that even admitting the debt “restarts” the clock. So the collectability…
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