How to Stop a Debt Collection Agency

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If debt collection agencies are calling non-stop and sending you letter after letter, you can make them stop. If you don't have the money to pay your bills, someone constantly harassing you isn't going to make the money suddenly appear. It is the original creditor, however, that sells debt to a collection agency. You have the right to issue a "Stop Contact," requiring the creditor and the collection agency to leave you alone. By writing a simple letter, you assert your right under the law to make them back off.

Things You'll Need

  • Address of collection agency
  • Delinquent account number

Compose a "Stop Contact" letter, requesting that your account be returned to the original creditor.

Write or type your name and your address at the top of the letter, flush with the left side. Below that, insert the date. All correspondence with any debt collection agency must be dated. Type in the account number and the name of the original creditor who held your account just below the date. All of this goes along the left margin.

Enter the greeting "Dear (full name of account representative)," or "Dear Sir or Madam" if you do not have the name.

Write a couple of sentences such as, "This letter is to request that you immediately cease and desist from sending me any further correspondence concerning the aforementioned account. I am within my legal rights to issue this request and I will pursue federal and state sanctions against your agency if you disregard this request."

Next, add another short paragraph of only one sentence that reads, "Please inform (the name of the original creditor) that I request that it personally handle all correspondence with me from this point forward."

Finish your "Stop Contact" letter by spacing down four lines and typing "Regards," and then below that, type your name and sign the paper beneath your typed name.

Tips & Warnings

  • For extra protection against these bottom feeders, mail your letter from the Post Office and purchase a "Return Receipt Requested." When the debt collection gets your letter, you will be sent a receipt, proving that you mailed it.
  • The original creditor may turn your account over to another agency but the odds are that the collection agency will never even send it back to the creditor.

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