Are you being called repeatedly by a debt collector or creditor and just want the calls to stop? You are not alone. Millions of Americans have accounts in collection and many do not want to answer their telephone out of fear it is a collector wanting money they do not have. However, you can have no fear, because there is a way to make the harassment stop.
Send the Company a Letter
Under the Fair Debt Collection Practices Act (FDCPA) a debt collector must cease all communication with a consumer if notified in writing that the consumer does not want to be contacted. So the first step in stopping a debt collector from calling you is to mail them a letter requesting that they stop contacting you regarding the debt. Be sure to keep a copy of the letter for yourself. You should also mail a copy to the Federal Trade Commission at:
Federal Trade Commission
6th and Pennsylvania Avenue, NW
Washington, D.C. 20850
Once the collector receives your letter they may contact you one more time to inform you that they have received the letter, the communications will cease, and to describe any legal action they intend to take in order to collect the debt.
Contact an Attorney
Some debt collection agencies may choose to ignore your request to stop contacting you and continue calling and mailing letters. If this is the case, it may be time to enlist the help of a FDCPA attorney. A letter from an attorney may do the trick and your attorney can advise you of any violations of the FDCPA the debt collector may have committed and what you can do to hold the collector accountable. Hiring an attorney will also force the collector to stop contacting you, as all communication from them will then have to go through your attorney. If your attorney cannot settle the matter, a lawsuit against the debt collector may be required. Lawsuits under the FDCPA can be filed for a number of harassing creditor tactics including:
- Calling before 8:00 a.m. or after 9:00 p.m.
- Causing a telephone to ring repeatedly
- Using obscene or profane language
- Calling after being asked in writing to stop
What If I Cannot Afford an Attorney?
It doesn't cost you anything to hire us for a FDCPA matter. At the Law Office of Paul Mankin, there are no upfront fees when you hire us to stop a debt collector or creditor from harassing you, and we only get paid if we win. The debt collector may pay our fees or we may split any cash settlement with you.
If a debt collector or creditor is harassing or abusing you and has failed to stop after receiving a written request to do so, please contact our office at 1-800-219-3577, for a free, no obligation consultation.