5 Things a Debt Collector Doesn’t Want You to Know

When the phone rings or another letter arrives, most people feel a knot in their stomach. Debt collectors thrive on that fear. But here’s what they don’t want you to know: you have more power than you think.

1. They Rely on Intimidation, Not Law

Debt collectors often sound confident, but much of their power comes from bluffing. They’ll use threatening language to scare you into paying, even when their legal position is weak. Recognise the tactic, and the fear evaporates.

2. They Must Prove the Debt Exists

Collectors rarely expect you to ask for proof. But under civil law, the burden is on them. A simple written request for evidence (known as a “prove it” letter) can stop them in their tracks if they can’t provide the original contract or clear records.

3. Your Silence Works Against You

Ignoring letters feels easier, but silence is their friend. They’ll use it to escalate the matter. Instead, respond in writing. A paper trail protects you and often exposes weaknesses in their claim.

4. They Can’t Harass You at Will

Debt collectors want you to think they can ring at all hours or knock endlessly at your door. In reality, they must follow strict rules. Harassment is illegal, and regulators take it seriously. Knowing your rights allows you to push back with confidence.

5. The Courts Care About Evidence, Not Fear

If it ever reaches court, it’s not about how many letters they sent or how aggressive they sounded. Judges look at evidence. A collector without proper paperwork is just another loud voice with no case to stand on.

The truth: debt collectors rely on you not knowing your rights. Once you understand the fundamentals of civil law, you stop playing their game and start controlling the conversation.

Want a step-by-step guide? My e-book Defusing the Debt Bomb 2 was written by a self-taught layperson to help ordinary people dismantle these tactics with confidence.