What should I do if a debt collector contacts me?
Don’t ignore letters or calls from a debt collector. They’re likely to take further action if you don’t reply to them.
Some may ask you to pay back the debt in full or in large instalments. You should offer to pay them only what you can realistically afford.
If you’ve been contacted by a collection agency get in touch with us for free and impartial debt help before your situation gets worse. We can help you put together a budget and work out how much you can afford to pay.
If you’re not happy with the amount of calls or the way a collection agency is speaking to you, make a complaint.
I'm in a vulnerable situation - should I let the collection agency know?
Dealing with creditors can be even more difficult if you’re in a vulnerable situation. Vulnerability can range from dealing with the loss of a loved one to chronic mental or physical health problems. There are other vulnerabilities you may be dealing with, such as feeling anxious about speaking over the phone, or living with a learning difficulty.
It's important to let your creditors know if you're in a vulnerable situation. Once they’re aware of any difficulties you’re experiencing, they can offer you more support if you need it.
Have you been contacted by a debt collection agency?