Debt Collector how-to
How to Make a Compliant Collection Call
Compliance protects you and the customer.
Quick answer
Compliance protects you and the customer. In short: verify; give; explain, then complete the remaining steps below.
Step by step
Verify you have the right person.
Give required disclosures.
Explain the balance.
Listen.
Offer options.
Document the call.
Safety reminders for debt collectors
- Follow FDCPA and Reg F
- Protect customer data
- Never threaten or harass
- Take breaks after hard calls
Key terms
FDCPA · Delinquent account · Charge-off · Payment plan · Settlement · Skip tracing: see the full debt collector glossary.