Getting calls from debt collectors is one of the most aggravating things you can experience. Receiving calls day in and day out can bother you to the level that you change your phone number. But doing so is not an option; instead, you can deal with it better to stop all the calls from collectors.
Every debt collector has to abide by the laws for debt collection, under the Fair Debt Collection Practices Act or FDCPA. This law clearly states when a debt collector can call you and when they cannot. You can ask the debt collector for verification; if they fail to provide any verification, they cannot call you or contact you by any other means. Simply put, if you do not owe the debt, they cannot contact you.
Therefore, a debt collector cannot call you repeatedly, or before 8 am or after 9 pm, they also cannot contact you at a time that you stated is not suitable.
Ways to Stop Debt Collectors From Calling
- If you wish to not receive a debt collector’s calls, it is alright, but on the contrary, if a debt collector calls you time and again, you can raise a complaint against them.
- You can also stop debt collectors from calling you by stating that you prefer communicating through writing rather than calls. This also lets you have a record of whatever is said.
- Another great way to stop debt collectors from calling you is to send a cease and desist letter. This letter means that the debt collectors have to stop any further communication with you.
If a debt collector calls you for a debt that you do not owe, or to get information about another debtor you know, you can send a cease and desist letter to the debt collector to stop them from calling, but do not admit to the debt when you send the letter.
Sending the Cease and Desist Letter
After you send the cease and desist letter, the collection agency is allowed to contact you just once in order to let you know one of three things:
- The debt collector might take action
- Efforts to collect the debt are dismissed
- Certain actions will definitely be taken
While mailing the cease and desist letter, make sure to mail it by a certified mail with a return receipt requested. This acts as a proof of the letter being sent and received.