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How To Deal With Debt Collectors Telephone Calls - if you have credit card debt you cannot afford to pay debt collectors will eventually call threatening a lawsuit they need you to admit that the debt is yours because they have a lot of trouble documenting credit card debt. (Remember this to stop them harassing you!) You need to DENY the debt and dispute it Doing that is not a reflection on your character is simply a legal strategy to force them to prove you owe the debt. You can read my blog for citations from the New York Times and other leading publications about why banks and junk debt buyers to document credit card debt in court what has sold over the telephone with goodbye debt collectors means nothing Debt collectors telephone call means (When they call they show their weakness) The telephone is a means for the debt collector to tell scary lies to con you into admitting to a credit card debt and to paying it even though you cannot afford to pay it. What is said over the te