How to Dodge the Debt Collector

Hint: Isla Fisher's character doesn't offer a good model.

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In Confessions of a Shopaholic, Isla Fisher's character is stalked by a debt collector. She does everything she can to throw him off her scent, including lying about deaths in the family to hiding from his calls. But if you've got a real-life debt collector on your tail, that's probably not the best approach.

Gerri Detweiler, author of Debt Collection Answers: How to Use Debt Collection Law to Protect Your Rights, recommends these tips instead:

  • Never admit that you owe the debt or agree to pay the debt without first getting written proof that you actually owe it.
    • Never give the debt collector any personal information about bank accounts, your employment situation, or assets.
      • Don't be tricked into thinking the debt collector is your friend. Sometimes debt collectors act friendly to get consumers to tell them things they shouldn't.
        • Do maintain good records of all of your interactions with the debt collector, including letters and phone calls.
        • For more, read 5 Reasons to See Confessions of a Shopaholic.