How do you send someone to collections?

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Sending someone to collections is a process used by creditors to recover unpaid debts. It involves transferring the responsibility of collecting the debt from the original creditor to a third-party collection agency. This article will explore the steps involved in sending someone to collections and the potential impact it can have on the debtor.

Understanding the Debt

Before sending someone to collections, it is crucial to have a clear understanding of the debt owed. This includes gathering all relevant documentation, such as invoices, contracts, or statements, to establish the amount owed and the terms of repayment. It is essential to ensure that the debt is valid and enforceable before proceeding with collections.

Communication with the Debtor

Before resorting to collections, it is generally advisable to attempt communication with the debtor to resolve the outstanding debt amicably. This can be done through phone calls, emails, or letters, clearly stating the amount owed, the due date, and any applicable interest or penalties. Open lines of communication can often lead to successful debt resolution without involving collections agencies.

Engaging a Collections Agency

If attempts to communicate with the debtor prove unsuccessful, the next step is to engage a collections agency. These agencies specialize in debt recovery and have the necessary expertise and resources to pursue unpaid debts. It is crucial to select a reputable and licensed collections agency to ensure compliance with applicable laws and regulations.

Providing Documentation to the Collections Agency

When engaging a collections agency, it is essential to provide them with all relevant documentation related to the debt. This includes copies of invoices, contracts, and any communication with the debtor. The more information the collections agency has, the better equipped they will be to pursue the debt effectively.

When sending someone to collections, it is crucial to comply with all legal requirements and regulations governing debt collection practices. These laws vary by jurisdiction, but they generally include restrictions on harassment, unfair practices, and disclosure of debt information. Familiarize yourself with the applicable laws and ensure that the collections agency you engage operates within these legal boundaries.

Collection Methods

Collections agencies employ various methods to recover unpaid debts. These can include phone calls, letters, and even legal action if necessary. The agency will typically make multiple attempts to contact the debtor and negotiate a repayment plan. If these attempts fail, they may escalate the collection efforts, potentially leading to legal action or reporting the debt to credit bureaus.

Impact on the Debtor

Being sent to collections can have significant consequences for the debtor. It can damage their credit score, making it difficult to obtain credit in the future. Additionally, collections agencies may employ aggressive tactics to recover the debt, which can cause emotional distress and strain relationships. It is essential for debtors to address their outstanding debts promptly to avoid these negative consequences.


Sending someone to collections is a process used by creditors to recover unpaid debts. It involves engaging a collections agency, providing them with relevant documentation, and complying with legal requirements. While it can have a significant impact on the debtor, it is often a last resort after attempts to resolve the debt amicably have failed.


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