1. Verify the identity of the other party: ask and verify the identity information of the other party, including name, company name, contact information, etc. Ensure that the other party is indeed the legal representative of the collection agency.
2. Caution: Call collection may be legal, but it may also be fraud. Be vigilant and don't trust the information provided by the other party, especially when it comes to personal sensitive information and payment methods.
3. Don't disclose personal information: Avoid providing sensitive personal information, such as bank account information and ID number, to the other party without confirming the identity of the other party. If the other party asks for this information, please ask them to provide the relevant documents in writing first and review them carefully.
4. Negotiate carefully: make sure that the other party is a legal collection agency and is willing to negotiate repayment, and you can consider whether to accept it according to your own situation. However, before face-to-face consultation, it is best to confirm relevant matters with the collection agency to ensure that your interests are protected.
5. Know the debt situation: Know your debt situation, including the amount owed, overdue fees, interest rates, etc. before negotiating with the collection agency for repayment. Ensure that the negotiated repayment plan is in line with the economic situation and ability.
6. Seek professional help: If there is a problem with the behavior of the institution being collected, or it cannot effectively handle the collection, you can consult professionals, such as lawyers or financial consumer rights protection organizations, for relevant advice and help.