Should Debt Collectors Answer Calls?

If a debt collector contacts you, consider ignoring the calls or not responding to other communication methods—at least until you learn about your rights, find out if the debt is truly yours, whether you want to file for bankruptcy, and learn whether the statute of limitations has expired.

What happens if you don't answer the phone for debt collectors?

If you continue to ignore communicating with the debt collector, they will likely file a collections lawsuit against you in court. If you are served with a lawsuit and ignore this court filing, the debt collection company will then be able to get a default judgment against you.

Do debt collectors have the right to call you at work?

This means that debt collectors cannot harass you in-person at your work. However, a debt collector, like a credit card company, may call you at work, though they can't reveal to your co-workers that they are debt collectors. If you ask the debt collector not to contact you at work, by law they must stop.