DIRECTV Collections on Your Credit Report? Fight Back and Win

A subsidiary of AT&T, Directv Collections is responsible for collecting or recovering debts owed by its internet, TV, and phone service customers. Directv Collections is a legitimate debt collection agency and definitely not a scam. However, consumers should always be cautious and understand their rights when dealing with any collections agency, and should keep records of every interaction with the company, remaining aware of any potential unlawful collections practices.

Why Do They Keep Calling Me?

They are most likely calling because they have reason to believe you owe money from an AT&T service such as phone, internet, or cable. Debt collection companies such as Directv are within their rights calling consumers that have debt, but there are guidelines put in place by the Fair Debt Collection Practices Act (FDCPA) that they must abide by. 

For example they are not allowed to use offensive language, harass or use forceful tactics such as threats when collecting a debt, and they are not permitted to call after 9pm or before 8 in the morning.

In some cases, Directv Collections may be calling you about a debt that you have already settled, paid off, or has passed the statute of limitations. Consumers have the right to verify the debt – which should include the amount and name of the original creditor (in this case AT&T). 

If Directv Collections is unable to provide sufficient proof of the debt, they can no longer pursue collection of the debt.

If you have been receiving a lot of calls from Directv Collections, and you believe they are engaging in shady practices or infringing on your rights protected under the FDCPA, it's imperative that you document each instance and seek professional guidance. Consumers have protected rights and collections agencies must follow the laws put in place to regulate their industry.

How to Remove Directv Collections From my Credit Report?

Once the company provides their proof and the debt is considered to be legitimate, the best next step would be to make arrangements to pay it off. You have the ability to negotiate a payment plan with Directv Collections – or make a lump sum payment if that is best for you. 

If you have reason to believe the debt has already been paid or you have proof that there is a mistake, you do have the ability to dispute the debt.

Dealing with Directv Collections Calls

AT&T is a major WIFI internet and phone service provider; if you have gotten behind on a few of your payments you will likely start to receive calls from their collections department. Facing frequent calls from debt collectors can be an overwhelming and stress inducing experience. If you are facing calls from Directv Collections try to stay as calm as possible, remember your protected rights, and keep track of your interactions. 

Here is some information and advice to help you deal with these calls and get back on track with your payments.

Understand Your Debt

The first step you should take when dealing with Directv Collections is to get a complete understanding of your debt. When you are speaking with a representative you can request a statement of your account. This statement should provide a clear picture – detailing how much you owe, what payments you missed, and any fees, penalties, or extra charges you have accrued from missing payments.

Negotiate a Payment Plan

The next step is to negotiate a payment plan with Directv. This can be done over the phone and can involve an elimination of extra fees, a reduction in the amount you owe, an extended payment period, or a combination of all of these. 

Directv Collections representatives are trained to work with customers who are having trouble paying their bills, and may be able to offer you a plan that is more manageable for you – it benefits them to collect any money they can.

Get Everything in Writing

When you do reach an agreement with Directv Collections, it is important to get everything spelled out in writing. This provides proof and will ensure that both you and Directv have a clear understanding of the terms of the payment plan, and will protect you from any misunderstandings or disputes in the future. Directv Collections representatives will typically provide you with a written agreement, but you can also request one if they do not.

Make Payments on Time

Once you have a payment plan set in place, it is important that you make your payments on time. Late payments will likely result in additional fees, penalties, as well as negative marks on your personal credit report.

If you find yourself in a situation where you are going to be unable to make a payment, due to loss of job or unexpected expenses, you should reach out to Directv Collections directly as soon as you can. You can explain your situation and discuss your options with an agent. They may be able to offer you a temporary extension or even revise your previous payment plan.

Know Your Rights

Under the FDCPA, Directv Collections, along with other debt collectors, are prohibited from harassing consumers when attempting to collect a debt. If you believe that Directv Collections has indeed violated your rights, you are encouraged to file a complaint with the Consumer Financial Protection Bureau (CFPB) as well as with the Better Business Bureau (BBB). 

These agencies have processes in place to receive such complaints – typically generating a response from the business in order to reach a solution with the consumer and resolve the complaint. Having unresolved complaints is damaging to the agency’s reputation.

Consider Professional Help

If you are having trouble dealing with Directv Collections, you may want to consider seeking professional help. A credit counselor can work with you to create a budget and a payment plan, and they can also negotiate with Directv on your behalf. A credit counselor can also help you understand your rights and options under the law, and they can assist you in taking action if you believe that Directv Collections is violating your rights.

Dealing with calls from Directv Collections can be a challenging experience, but if you are able to understand your debt, negotiate a payoff plan, and get everything in writing, it becomes a lot less stressful. Consistently making your payments on time allows you to take back control of your debt and prevent any more negative impacts on your credit report. 

If you need additional support or guidance, feel free to contact us. Our team of professionals can help you through the debt collection process and find the best solution for your unique situation.