We all have gotten one of those annoying ass phone calls from an unknown number with someone talking about ‘You owe XY and Z amount of dollars to the IRS”. Now, they can sound professional all they want but they aren’t the IRS babes. The IRS don’t ask for money like that anyway (they do it in legal writing at least). We’re going to tell you what
Unknown Number? More Like Unknown Drama — Decline That!
First off, when the phone rings and it’s a number you don’t recognize, just let it ring. Imagine you’re a celebrity and they’re just paparazzi trying to snap a pic of your bank account. They’re going to try and throw shade, make you feel like you’re on the brink of a financial apocalypse, and that you owe everyone and their momma some money, but that’s all just a load of BS fear-mongering so don’t fall for it!
Pick Up the Phone, But Don’t Let ‘Em Play You!
If you do decide to pick up, hit them with some straight-up facts. Keep it cool and say, “I do not owe these funds, but what are my options?” Now, you know how some places hit you with, “This call is recorded and monitored” line? That’s perfect and actually works out for you. That means if they ever try to take you to court, they’ll have you on record saying you don’t owe the debt—not admitting to anything. That’s how you flip their own game on them.
Leave Them On The Line With Some Last Words
If they’re cranking up the pressure, lock in and hit them with some facts. They can’t just barge into your life and start making demands like they’re the new boss in town. They’ve got rules, and you know them. If you strike a deal or settlement, make sure you get it in writing. Think of it like a receipt for your bargain. This way, if they try to pull a fast one, you’ve got proof you’re not playing their games. And hey, if they keep pushing buttons, don’t hesitate to file a complaint. Think of it as telling the principal of the kid who always tried to steal your lunch money. You’ve got every right to play by the rules and make them follow suit.
In the end, dealing with debt collectors doesn’t have to be a whole headache and a half. With some confidence and attitude, you can turn the tables and make them wish they’d never dialed your number. So, don’t let them bully you into handing over those routing numbers
