Do not make any admissions, payment arrangements or negotiations over the phone or in person. Putting everything in writing provides you with documentation that you may need later on if you decide to report them. Insist, in writing, that they only deal with you in writing as well.
Refuse to talk on the phone. They are required to notify you in writing if you owe money. They are also required to inform you of your right to dispute the debt. If they ask you to call in a letter or on an answering machine message, don't. Again, do everything in writing.
Avoid admitting the debt if you believe that you do not owe the money. When you contact them in writing, refer to the debt by listing the account number and not by referring to it as "my debt" or "my bill."
Contact the Attorney General in your state to find out what the statute of limitations is on your debt. Some debts have a certain time limit, after which the debt is no longer collectible. Make sure you know before you pay, because making a payment causes the statute of limitations to restart.
Know your rights.Rent a Center is not allowed to call people you know except to get an address and phone number, and they may not call you on Sundays, holidays or between eight a.m. in the morning and nine p.m. in the evening. They are also restricted from harassing you by calling all the time.
If you feel you are being treated unfairly File a complaint with the Attorney General's office or the Federal Trade Commission.
When they come to your home, video tape them.You have no obligation to awnser the door. You have every right to tell them to leave your property.If they don't call the police.Don't get into a argument with them.If they try to gain entry you have the right to stop them and press charges.
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