How To Stop Harassing Calls From Debt Collectors – Tired of the constant buzz of unwanted calls from debt collectors? You are not alone. These calls can be annoying, stressful, and even threatening. But there is good news: you have the right to stop them. Based on the Fair Debt Collection Practices Act (FDCPA) and guidelines, this 8-step guide provides a clear path to help you silence those unwanted calls for good.
If they call, really try to write it down and ask for approval. Remember that silence is your right. Please wait for written confirmation notice before committing.
How To Stop Harassing Calls From Debt Collectors
Before hanging up, try to calmly and clearly ask the recipient for their name, company name, address, and phone number.
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Create a Debtor Log to track each call individually. Write down the dates, times, names of the recipients and the exact content of the messages. This record can protect you and provide evidence if you are confronted with unfair practices.
Do not disclose personal information such as phone numbers, addresses, bank details or social security numbers. Remember, any information you share can be used against you!
If the calls continue, state firmly that you will not tolerate further contact and outline any legal consequences of the harassment.
Explain that repeated calls will result in a formal complaint to the Office of the Attorney General, who may hold the recipient personally liable.
How To Handle Debt Collector Calls About A Paid Debt
Ask for a debt certificate that proves you owe and are entitled to it. Do not admit your accuracy and do not discuss it specifically on the phone.
To ensure your future safety, properly request a copy of the collection agency’s do not call policy as outlined in the Consumer Telephone Protection Act. This legal document describes the process for honoring your opt-out preferences.
National Debt Relief is one of the largest and best debt settlement agencies in the country. In addition to providing complete 5-star service to our clients, we also focus on educating clients across the United States on how to better manage their money. Our posts cover personal finance topics, savings tips and more. We’ve served thousands of clients, settled over $1 billion in debt, and our services have been featured on sites like NerdWallet, Mashable, HuffPost, and Glamour.
The content offered is for informational purposes only. The statistics or information contained may be based on previous results or from third parties. The views expressed in this material are those of the author and do not necessarily reflect the views of National Debt Relief. We do not guarantee that the information on this website will be accurate or useful, and results may vary depending on individual circumstances. Consult a financial and/or tax professional regarding your specific financial and tax situation. Please visit our Terms of Use for all terms governing your use of this site. Debt collectors can be ruthless and aggressive. They will make every effort to invite family members and your workplace. Whether it’s something you can’t pay for or you think the recipient is contacting you by mistake, find out who they are and what they’re contacting you about. Keep the information you give them to a minimum. Consumers are often tricked into paying debts that may not be rightfully theirs or that may be misreported. If you have spoken to them and decided that you do not want the collectors to contact you, please remind the home collection in writing to stop contacting you. After the recipient receives your letter, the FDPCA allows them to contact you one last time in writing to let you know what, if any, action the recipient will take.
Ohio Letter To Debt Collector
Request a Cease and Desist Offering a collection agency a cease and desist letter is the best way to prevent collectors from contacting you. This letter will not eliminate the alleged debt, but it will prevent harassing phone calls.
At the bottom of this page you will find a cease and desist letter template that you can adapt and use if you find yourself in this situation. Make a copy of this letter for your records. Make sure you send the original by registered mail and pay the additional “return letter” postage to your registered post office. This will ensure that you have more documentation for your records if the recipient receives this notice.
Once the collection agency receives this letter, debt collectors will no longer contact you. Contact is possible only with the following exceptions:
Again, a cease and desist request does not eliminate the alleged debt. Because a cease and desist request does not eliminate the alleged debt, the original debtor or collection agency may sue you in attempts to collect the debt. If this process seems too difficult for you, rest assured that MSI Credit Solutions can help you with the suspension and waiting process and provide other credit repair services.
Harassing Creditor Calls
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