Collect and be ready with some evidences which say that you have been harassed by them. The debt collectors usually do not send or give you any written document to collect the money from you. They usually call you up over the phone.
Record the telephonic conversationOne thing which you can do is to record the telephonic conversations. But be careful because in some states such recording is illegal and you can be prosecuted. The states which do not allow secret recording of telephonic conversation are California, Florida, Massachusetts, Michigan, Montana, New Hampshire, Pennsylvania, Washington, Connecticut, Delaware, Illinois, and Maryland. These states do allow phone tapping but you have to take the permission of all the parties involved in the conversation. You can not do this privately. But there are other thirty-eight states including the District of Columbia which allow secret phone tapping. Just check out the laws of the state you belong to.
You can also have a video-recording during the interaction. But before that, go through the laws of your state regarding this. The states which do allow the secret use of video cameras in private places are California, Georgia, Hawaii, Michigan, Minnesota, New Hampshire, Utah, South Dakota, Alabama, Delaware, Kansas, and Maine.
What if your state does not allow such recording?Keep a notebook to note the details of the conversation. You can present this notebook to the judge. This will help you to be clear and confident.
Note the following in your notebook:
• The Day and time of the conversation.
• The Number and names of the people talking to you.
• The phone numbers.
• Whether you made the call or you were called up by the other party. A summary of the conversation.