What Should I Do If My Lender Contacts Me?

TABLE OF CONTENTS

• 1. Don’t Engage in Negotiation
• 2. Notify Your Case Manager Immediately
• 3. Forward Any Written Communication
• 4. Remain Calm and Informed
• In Summary

If your lender (or any enrolled creditor) contacts you directly during your debt relief program, don’t worry—this is not unusual. Creditors may attempt to reach out by phone, email, mail, or even text, especially during the early stages of your program. However, once you’ve enrolled with Debt Consultants Group (DCG), we handle all creditor communications on your behalf.

Here’s what you should do:

1. Don’t Engage in Negotiation

Kindly refrain from discussing settlements, payment plans, or financial details with the lender. Engaging directly can interfere with our ongoing negotiations or contradict information we’ve already provided.

Instead, simply let them know you’re working with DCG.

You can say:

“I’m currently enrolled in a debt resolution program with Debt Consultants Group. Please contact them directly regarding this matter.”

2. Notify Your Case Manager Immediately

After the contact occurs, reach out to your Case Manager as soon as possible. Provide the following details if available:

• Name of the lender or representative

• Date and time of the contact

• How they contacted you (phone, email, etc.)

• What they said or requested

Your Case Manager will update your file and, if needed, escalate the matter to our Legal or Negotiations Department.

3. Forward Any Written Communication

If the lender sends you emails, letters, or legal notices, forward them to your Case Manager right away. These documents may contain:

• Important timelines or demands

• Updates on your account status

• Legal threats or formal collection attempts

DCG will review these documents and respond directly to the lender on your behalf.

4. Remain Calm and Informed

Creditor contact can feel intimidating, but remember: you are protected under state and federal consumer laws. As your representative, DCG is equipped to communicate with lenders, negotiate terms, and provide legal support when necessary.

Creditor contact can feel intimidating, but remember: you are protected under state and federal consumer laws. As your representative, DCG is equipped to communicate with lenders, negotiate terms, and provide legal support when necessary.

In Summary:

• Don’t negotiate with the lender directly

• Let them know you’re represented by DCG

• Contact your Case Manager and forward any documentation

We’re here to manage the pressure so you can focus on your business and your path to financial freedom.