Don’t just take their word for it! The biggest mistake in small claims debt collection cases is assuming you’ve already lost just because you got a complaint & summons in the mail. Remember: the burden of proof is on THEM. Start here: Proveittoolkit.com. Link in bio.
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When a debt collector calls, don’t argue. Don’t confess. Don’t explain your life story. Say this: 👉 “I do not recall this debt. Please validate it in writing.” Then stop talking. You don’t debate on the phone. You don’t admit ownership. You don’t fill in blanks for them. And no — you do not give them extra personal information. Not your job. Their job is to prove YOU the claim. Once you request validation, the collector is supposed to move into paperwork mode: 👉 send written proof 👉 prove the
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