How Do I Stop A Debt Collector From Contacting Me?
If you’ve been getting calls from a debt collector and want it to stop, it is not hopeless. Here is how to stop a debt collector from contacting you:
You can tell the debt collector that contacts you that you wish to cease all communication with you and any of your friends or family members they try to reach. However, the best thing to do to stop communication is to send a cease and desist letter.
A cease and desist letter is a written notice that you send to a debt collector requesting that you they stop contacting you. Once a debt collector has received this letter, there are only a few specific reasons why they would be allowed to contact you again.
Keep your request simple, clear and to the point in your cease and desist letter to a collection agency. If you are not paying the debt that they are contacting you about for whatever reason, clearly state that you are refusing to pay this debt. Write that you want them to cease all communications with you from now on. If they have been contacting friends, family members or an employer, you can also include that you want to cease all their communication with any third parties as well. Include that you are sending this cease and desist letter as a legal notice under the Fair Debt Collection Practices Act. Before sending the letter, make a copy of it for you records.
It is vital to send the letter certified mail with a return receipt requested, or some other method where you will have proof of delivery. You can do so by UPS or FedEx or by visiting the post office and requesting to send it certified. If you do not send it with a return receipt, there is no way to confirm that the debt collector has received it. This way, you can prove you sent it. If the debt collector doesn’t receive it, it is not legally binding.
As mentioned above, there are a few reasons why a debt collector could contact you again continue to call. They may contact you one more time after receiving your cease and desist letter to let them know they will no longer take action on your account. They can also contact you if they are taking further action with your account such as reporting your debt to the credit bureaus or filling a lawsuit against you.
If you are still contacted by a debt collector after this, call The Law Firm of Mitch Luxenburg’s experienced fair debt collection attorneys toll-free at (877) 846-1209 to find out how we can help you. You can also complete our online form for a free FDCPA case review. The debt collector has to pay your legal fees so you’ll be charged nothing for your case, even if you don’t recover a settlement of judgment.