How to Get Credit Card Companies To Stop Calling You

Many people in our great nation have become deeply in debt because of the economy. Once you get in debt with a credit card company or any type of loan institute they almost always start calling. They want their money but they don't have to embarrass you by calling you at home and/or work constantly. You have legal rights to stop them from harassing you and this info should help.

Difficulty: Easy

Instructions

Things You'll Need:

• Ink Pen
• Paper
• Envelope

1. Get out a pencil and paper. You can also use your personal computer to type out this letter. You can also print out a letter provided in the resources links near the bottom of the page.

2. Write a letter that states that you understand that you are in debt and are doing everything you can to get paid up.
   
   Let them understand that you know your rights provided in the Fair Debt Collection Practices Act, [15 USC 1692c] Section 805(c). Let them know that you demand they cease communication with you. The have to stop calling you after receiving this letter.

3. Mail your letter certified mail and pay the extra dollar to have a paper copy of proof of delivery.

4. When the proof of delivery arrives file it somewhere you will remember just in case you need to use it. The credit card company basically has to stop calling you now. They can only call you to inform you of these two things:
   
   * They are no longer going to make collection efforts on debt owed.
   * They are taking a specific course of action against you to recover your debt.

Tips & Warnings

• Visit the links provided in the resources section below to print a pre-written letter to send to your nagging credit card company.

Resources

• Consumer Credit Card Information
• Fixed Rate Credit Cards
• Apply Credit Cards
• Stop Calling Letter

[honestheiress]

on 12/5/2009 Credit card companies and collection agencies alike are pests! Accurate advice to share.

[poe9368]

on 11/27/2009 Very interesting and informative information. Good job. 5*

[johnnyutah]

on 11/24/2009 wow...very interesting..thanks for sharing How to Get Credit Card Companies To Stop Calling You 5*

[jaxicat]

on 11/24/2009 EXCELLENT article on how to get the credit card companies to stop calling you. I especially like Step 3, mail it certified so you have proof!!!!! 5* :)

[chrisanimelo444]

on 11/21/2009 Useful information! Thanks for the advice.