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Stop Debt Collectors

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Calls from collectors can be extremely annoying, to put it mildly. For many people, the calls are so annoying that phone numbers must be changed or turned off in order to avoid debt collection calls.

Stop Debt Collection Calls:

There is no law that says you have to contact a debt collector by phone. If you hang up on a debt collector there is nothing they can do about it. But, if the collector continues to contact you repeatedly even though you have hung up on them, they are in violation of the FDCPA.

All you need to do to cease debt collectors from contacting you is let them know that you prefer to speak with them in writing. Written communication works to your advantage because it provides you with a record of everything that is communicated between you and the debt collector. If the debt collector violates the FDCPA, you have hard evidence to prove that the debt collector has violated the law.

The surest way to stop debt collectors from contacting you is by sending what is known as a cease and desist letter to the debt collector. In this letter, you should declare that the debt collector needs to cease and desist any further interaction with you. Remember that the cease and desist letter only applies to debt collectors, not the initial creditor.

What Happens After the Cease and Desist:

After the debt collector receives your cease and desist letter, they can contact you one more time, via mail, to let you know one of three things: that further efforts to collect the debt are terminated, that particular measures may be taken by the debt collector, or that the debt collector is definitely going to take particular actions.

When you send the cease and desist letter to the debt collector, send it via certified mail with return receipt requested. This will provide evidence that the correspondence was sent to and received by the debt collector. If the debt collector communicates with you more than the single occasion allowed by law, this proof will allow you to seek legal action against the debt collector.

The Federal Fair Debt Collection Practices Act was passed to stop abusive, deceptive, and unfair debt collection practices by debt collectors. If you think you’ve been the victim of unjust practices of a debt collector, contact us today for FREE evaluation of your debt collection issues.

Under debt collection laws, you might be qualified for money damages and the payment of your lawyer’s fees. You have the right to prevent debt collectors from harassing or abusing you.