Are Debt Collectors Allowed to Collect Debts?
Sounds like a silly question, but the answer is yes. Unfortunately, my firm gets a lot of calls from people who are upset that someone is trying to collect a debt against them, and nothing more. Debt collectors and creditors generally are allowed to try to collect the money that consumers owe them. So long as they conduct themselves lawfully, there is nothing illegal or improper about debt collectors doing their business. If your situation is simply that a debt collector is calling you over a debt which you owe, the best thing for you to do is to make arrangements with the debt collector to pay the debt. Usually they are willing to negotiate the amount of the debt and work out a payment plan and will not garnish your wages or otherwise hassle you if you stay in communication with them and make your best efforts to keep to the payment plan.
