How to Stop Debt Collection Calls

Debt collection calls can be annoying at the least, and harassing at the extreme. There are many types of collection agencies, and unfortunately, some of them have a reputation for employing unscrupulous debt collectors. The Fair Debt Collection Practices Act (FDCPA) sets federal guidelines for how collection agencies must treat U.S. consumers. If you have been experiencing repeated, sarcastic or verbally abusive debt collector calls, you can utilize the FDCPA to stop them in their tracks.

Difficulty: Moderately Easy

Instructions

1. *Take Notice of the Time of Day you are Receiving the Debt Collection Calls*
   
   According to the FDCPA, debt collection agencies cannot call you before 8 am or after 9 pm. If the debt collector calls you outside those times, you should let them know that you are aware of your rights and ask them to stop. You can view the FDCPA guidelines by clicking the appropriate link beneath this article. If the collection calls persist during unapproved times, you should contact the agency on the next business day and ask to speak with a manager.

2. *Simply Tell the Debt Collector to Stop Calling You*
   
   If the collection calls are within the FDCPA guidelines, tell the debt collector that you would rather have them communicate with you in writing. The collection agency does not legally have to comply with your request, but many will simply abide by your wishes.

3. *Send the Debt Collection Agency a Cease and Desist Letter*
   
   The FDCA provides the ultimate escape from debt collection calls. Get your hands on the sample copy of the Cease and Desist Letter (you can find one beneath this article), personalize it to fit your situation, then send it certified mail it to the collection agency. Once that letter has been received, the agency will advise you of their next steps

Tips & Warnings

• Also, debt collectors cannot contact you at work if you make them aware that your company does not approve of personal calls.

Resources

• Fair Debt Collection Practices Act (FAQs)
• Sample Debt Collection Cease and Desist Letter

[paulo55]

on 10/21/2009 How to Stop Debt Collection Calls. Great article! Good information and tips. 5*