Collectors often make threats about lawsuits and ruining a debtor's credit report. Alternatively, some collectors use the technique of befriending the debtor and trying to help them out . Collector calls can be very disturbing to a debtor and the laws below are designed to protect the debtor from harassment. If you had already planned to pay part or all of the bill then explain when that will happen but do not be pressured to alter your financial strategy based on a phone call. If the call is to your work then explain that your employer does not permit you to take collection calls at work if that is the case.
Collectors like to engage debtors in lengthy conversations.
While it is good to keep in contact with your creditors, such conversations will not put any more money in your pocket and you may want to cut the call off at some point with something such as Thank you for calling. I will do the best I can. Other collectors will imply or simply state that you are dishonest or lazy or irresponsible. Do not respond to such unpleasantness or take such insinuations personally. It is part of a collectors job description to be highly indignant and upset about every overdue account.