You’re sitting at home having dinner with your family when the phone rings. Who can it be? It’s your local, neighborhood debt collector demanding payment from you on a past due debt.
Dinner ruined…
No one likes receiving annoying calls from collection agencies, they almost always seem to call at the wrong time and can be down right rude.But, don’t worry, you don’t have to put up with these calls, the FDCPA (Fair Debt Collection Practices Act) allows you to stop debt collector calls at any time.
How do you get a debt collector/ collection agency to stop calling?
With a letter of course.
Below, please find a template of a limited cease and desist letter which will stop debt collectors from calling you but, still allow them to contact you via mail. (That way you can still know what’s happening with your collections.)
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Your Name
Your Address
Re: Account XXXX-XXXX
To Whom It May Concern:
You are hereby notified under provisions of Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act, that your services are no longer desired.
1) You and your organization must CEASE & DESIST all attempts to collect the above debt via telephone. If you wish to contact me, please do so via standard postal mail. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission, Consumer Financial Protection Bureau, and this state’s Attorney General’s office. I will pursue all criminal and civil claims against you and your company.
2) Let this letter also serve as your warning that I may utilize telephone-recording devices in order to document any telephone conversations that we may have in the future.
Have a wonderful day.
Sincerely,
Your Name
Your Address
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Mail the letter Certified Return Receipt Requested (CRRR) so you have proof that the collection agency received your request.
Please note that stopping a collection agency from calling you will not make the debt disappear or remove the derogatory account from your credit report.
If you have debt collectors calling and harassing you, utilize this letter to get a little breathing room but, understand that you will have to deal with this issue at some point in the future and repair your credit.
CreditFirm.Net has helped thousands of consumers just like you remove collection accounts from their credit reports and improve their credit scores.