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WE PROTECT CONSUMERS, P.A.
800-813-6086 or 800-407-9511
Whether or not you retain our firm, please protect
yourself by doing the following...
Keep EVERYTHING you receive from the creditor, collection agency or attorney that relates to your debt (including the envelope). DO NOT THROW ANYTHING AWAY.
Keep a phone log handy with you or near your phone to keep a record of all phone calls made to you, including hang ups. The log should include the date and time of the call, the name of the person who placed the call and a brief summary of the conversation.
Keep all messages left on your answering machine. DO NOT ERASE ANY OF THEM.
Keep in your cell phone log all phone calls made and received.
Put all requests/demands you make to the creditor, collections agency or attorney in writing, even if by email, and keep a copy.
Inform creditors, collection agencies and attorneys in writing that they are to STOP CALLING YOU (if you want to try to settle, you can always call them).
Whenever you get a letter that states that you have the right to request verification of the debt -- DO SO, AND IN WRITING.
Do not give out any information about yourself or your family. You should not give out your employment or bank account information.
Do not admit or concede anything. Unless you want to settle, make them prove everything about their lawsuit.
Ask them to send you copies of the documents they have relating to your debt. You may be surprised to learn that they have practically no documents!
Do not agree to pay the balance in full before asking if they are willing to provide a discount. When negotiating, start low.