Start My Answer

Successful Tips on Dealing With Debt Collectors During the Pandemic

Naomi Cook | December 02, 2022

Summary: Has COVID-19 left you stressed out over past due balances? Here are some successful tips on dealing with debt collectors during the pandemic.

The COVID-19 pandemic and the massive economic devastation it caused have made many people's lives even more difficult. Because of the coronavirus-driven recession, many individuals have either become unemployed or underemployed.

It's even sad to think that those who used to have enough now struggle to put food on their tables and keep a roof over their heads.

To survive being under the weight of so much debt, some people consult a tax advisor to help them make wise financial decisions. While others even try to earn a profit through sports betting.

Dealing with debt, especially in times of uncertainty, can be a stressful experience. If you're having trouble paying your bills, here are a few things you can do:

Things to consider when dealing with debt

1. Inform your lender about your current financial situation

If you think you'll fall behind on your credit card, auto loan, or mortgage payments, make sure to call your lender and inform them about your situation.

Your bank may offer you hardship programs or accommodations to help you. Under these programs, they may allow you to delay your repayments temporarily.

If you inform your lender that your payment will be delayed, you may avoid a bad credit report. You may even be allowed to elude interest charges.

Because of the pandemic, your lender may be dealing with high call volumes. Thus, the wait may be longer. If that's the case, go to your bank's website and check if they have the information you need.

Perhaps their site allows you to download online applications for accommodations or hardship programs. You may also search for various ways on how to communicate with them electronically.

2. Consider working with a credit counselor

You may consult a credit counselor for advice regarding your money and debts. When working with one, prepare to discuss your financial situation and goals, employment status, and regular income and expenses.

Respond to a debt collection lawsuit in 15 minutes with SoloSuit.

What to do if your debt is given to a debt collector

Debt collectors might contact you on behalf of your lender or their behalf if your creditor sold your debt to them.

If that's the case, below are a few tips on how to deal with debt collectors in a proactive and less stressful way:

Confirm whether you owe all the money

When you receive a letter from a debt collector, make sure to read it carefully. The letter should specify which debt was sold and the amount you still owe.

If you think there's a discrepancy, ask the debt collector for more information and copies of all relevant documents so that you can get professional advice.

Get legal advice right away if:

  • You get a notice about being taken to court
  • You are a victim of identity theft or fraud
  • The debt collector is harassing you

Don't let debt collectors intimidate you. File a response with SoloSuit.

Be open about your financial position

Make sure to assess your finances and figure out how much of the debt you can pay off.

If your current financial position won't let you pay the entire debt right away, write to the debt collector and explain in detail your circumstances.

You may also ask them to waive your debt or put it on hold for a while with no added charges.

Once the debt collector knows your financial situation, they may choose to:

  • Create a payment plan
  • Lessen the amount you owe
  • Waive the whole debt
  • Take legal action

When they refuse your request, you may feel frustrated and upset. However, remember that aggressive communication will not help you resolve the issue.

No matter how strenuous it may seem, you must maintain your composure and pursue an open dialogue with the debt collector.

If negotiations fail and they are determined to take you to court, get legal advice to understand your options.

Keep a thorough record of correspondences

You must keep a detailed record of all your communication with the debt collector. Ensure to include the dates and times they contact you, especially if they call you excessively.

It would help if you also noted how the debt collector contacts you and what you say to one another. Remember to confirm in writing every agreement you make with them.

Make the right defense the right way with SoloSuit.

Know your rights

The FDCPA (Fair Debt Collection Practices Act) states that a debt collector should not use unfair practices in collecting a debt.

If you think you're being harassed and believe that you don't owe the debt, you may dispute all parts of it.

However, if it's your debt but you don't have enough money to pay it off, you may consider filing bankruptcy. Doing so can give you a fresh start while providing legal protection from debt collection efforts.


COVID-19 has impacted numerous people financially across the U.S. If you fall behind on your financial obligations, it can be stressful and overwhelming when a debt collector calls about your debt.

However, you shouldn't get intimidated easily. Know that you can take some steps to find out your options and protect your position.

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James

Get Started

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.

Guides on how to beat every debt collector

Being sued by a different debt collector? We're making guides on how to beat each one.

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get answers to these FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendant's Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouse's Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

You're Drowning in Debt — Here's How to Swim

Help! I'm Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Here's What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review

Do Debt Collectors Ever Give Up?

Can They Garnish Your Wages for Credit Card Debt?

How Often Do Credit Card Companies Sue for Non-Payment?

How Long Does a Judgement Last?

​​How Long Before a Creditor Can Garnish Wages?

How to Beat a Bill Collector in Court