Telephone Calls. Debt collectors may call at all odd times of the day to harass you. They may even use threats and abusive language to pressure you into making payments. It might be a good idea to record all calls with debt collectors if possible.
Registered Letter. At times you might be sent a registered letter for which you will have to sign a receipt. Don't let this bother you, a registered letter is no different from a regular letter and has no official status.
Telegram. A telegram may be used at times by debt collectors to emphasize urgency, once again, don't let this pressure you, it is only another method of communication which should not be allowed to influence your decision making.
Follow Up Draft. Another method used by debt collectors to harass debtors is to send follow up drafts, some times they might send it from different banks hoping this would make the debtor more stressful and worried.
Installment Collection. Debt collectors sometimes might offer an option to make payments via installments, this might be a good times to seize the opportunity to easily pay off the debts if possible.
Offer of Concession. If a debt collector makes a concession offer where you are only required to pay part of the debt and the rest will be fore gone, this is a great opportunity to take up if you have the means to do so.
Credit Threat. At times debt collectors might claim to be members of credit associations and threaten to report any bad debt. If a collector makes such claims do not take his word for granted. Always request for proof to support such claims.
Black List. Debt collectors sometimes threaten to release a black list for circulation. Always be weary of such threats and check with a lawyer if it is legal to do so in your state since in some states it is considered blackmail.
Writing to Friends. Another method used by debt collectors to pressure debtors is to threaten to contact friends or relatives. You should let the debtor know that you can take him to court if he ever reveals to anyone that you owe debt, thus putting the debtor on the defensive.
Awkward Calls. Quite often the debt collector might harass you at your work place or other in appropriate places such as gatherings etc. You must be aware that it is against the law for debt collectors to bother you at the work place especially if your employer does not approve. Make the debt collector aware of this and emphasize the point that you are not afraid of taking them to court if they continue to do harass them.