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      Money Talks News: How to Deal with Debt Collectors

      I couldn't get my medication, and I kept explaining that to him. Pretty much he told me it's not my problem.

      And I'm like, well it is your problem because you froze my account, and I have no idea why you froze my account.

      Michelle's Vizzini was erroneously targeted by a debt collector for a debt she didn't owe. She got a lawyer and made them stop. But her case isn't unusual.

      Would you know what to do if a debt collector started hounding you? Mistakes can, so it could happen to anyone. That's why you need to know the fundamentals.

      I went to a lawyer to get some common questions answered. Question number one: what should you do if a debt collector contacts you?

      "Always tell them that you want everything in writing and don't give up personal information over the phone."

      Here's another common question: How do you make them stop?

      It can be as simple as telling the debt collector you no longer want to be contacted by phone, and to hang up the phone. Or it can be as complicated as having to write a letter, or having a lawyer write a letter for you and say you don't wish to be contacted.

      It's also important to know what a debt collector can and can't do.

      Most common illegal tactics?

      "Call repeatedly, make false statements of fact, and be abusive to consumers."

      Documenting abuse is super important. Because if it does happen, you can get a free lawyer.

      "You can contact us or any other consumer attorney. Most of us will represent people free of charge because we know we can get paid if we can go after the debt collector successfully."

      Bottom line? If a debt collector contacts you, know your rights. And if you qualify for a free lawyer, get one. I can hook you up.

      Just go to, and do a search for "Debt Collection" For MTN, I'm Stacy Johnson.