Debt collectors in general are the persons who make the collection of the debt on the behalf of another person. Most of the debt collectors may also be associated with the professional agencies for the collection of the debts. Even most of the attorneys that may collect the debt on the behalf of their clients may also be regarded as the debt collector. Debt collectors are not supposed to harass or abuse any person and they can also not threaten and use obscene language with them as well. A debt collector may contact you by the help of email, fax or telephone at reasonable time or place.
In order to deal appropriately with the debt collectors avoid making debt collection altogether and try to consult the real creditor and workout a reasonable payment agreement that is suitable for you by every possible way. Make sure you educate yourself properly regarding your rights about the debt collection. Report to the authority if you receive any harassing phone calls or threats and hear any abusive language from the creditor. You can also report it to your attorney because all these acts are illegal and you must take the actions accordingly.
Try to be nice with your debt collector. Most of them are used to of being cursed at by the clients and half of the time people hung up on them and yell at them over the phone but you must keep this in your mind that they are just doing what their duty is so try and talk to them in a nice way. If a debt collector is working for you they can also become your friend and due to your nice and friendly behavior they will offer you the best payment plan they have.
The end of the month I one of the best time when you can actually negotiate with your debt collectors so try and offer settlements towards this time because your debt collectors are being paid on the commissions so they would like to collect some of the money form you as well. Avoid giving your debt collectors your bank account numbers and other related inflations and try to make the payments by the help of the money orders or may be by third party payment services thus you would have a proof of the payment and you would avoid paying through the personal checks.