Debt collection guide
What to Do When a Debt Collector Contacts You
What to check, save, and do next when a debt collector calls or writes.
Pause before paying or sharing sensitive information. Save the message, identify the collector, review the debt information, and compare it with your records. If something is wrong, use the dispute instructions and keep proof of what you send.
What to do next
- Save the letter, email, voicemail, or text.
- Record the collector’s name, company, address, phone number, and account reference.
- Look for a validation notice identifying the creditor, amount, and dispute deadline.
- Compare the claim with your statements and credit reports before deciding what to do.
Common questions
Do I have to answer immediately?
You can take time to verify the collector and review the claim. Do not ignore real court papers or their deadlines.
Should I share my Social Security number?
Avoid sharing sensitive information until you have independently verified the collector and debt.
Official sources
Reviewed August 26, 2026. Educational information only, not legal advice.