Start and keep a file. At the first contact from a collection agency, start a file.
Your file should include:
1) Dates and times of phone conversations, pre-recorded messages the collector leaves
on your voice mail, and when you send or receive correspondence.
2) Notes of conversations along with the name of the collection agency employee.
3) Copies of correspondence you send, as well as those you receive including envelopes.
Collectors are supposed to give you written notice of the collection action five
days after you are contacted by phone.
4) Copies of messages that are abusive or overly intrusive.
5) There is no set time after which you will never be contacted again about a debt.
Some debts are sold to other collectors even after being properly disputed. Keep
all records regarding disputed debts indefinitely in case the debt comes back to
haunt you, and you need to dispute it again.
6) Put it in writing. Send any correspondence, including disputes, to both the collection
agency and the creditor by Certified Mail, Return Receipt Requested. When in doubt,
send a written confirmation of anything that you may need to prove later (for example,
a promise or threat made, a rude or harassing comment received, or an explanation
given you that may show improprieties in the handling of your dispute or your payments.)