How To Stop Harassing Collection Calls

November 11, 2008

Economic times are bad, and defaults rates are at historic levels. Just because you can’t make a payment on your credit card or your car loan does not mean that you have to put up with the collection calls.

You have rights.

Debt collectors cannot use threats of violence, imply that you will be arrested, call your employer, or call you before 8 A.M. or after 9 P.M. The Federal Trade Commission (FTC) and most States have enacted rules to put an end to debt collection harassment. Visit the FTC web site, and this referral page to your particular State laws.

Now the secret on how to stop the collection calls:

  1. Ask the caller to identify themselves.
  2. Next ask them to provide you with their agency’s address.
  3. Send a certified letter to the collection agency telling them to STOP calling.

It is that simple! After receiving the letter the collection agency can only contact you to let you know there will be no further contact or to advise you that the creditor intends to take some further action, like filing suit. Note that sending the letter does not make the debt go away if you actually owe it. You could still be sued by the creditor.

What if the calls continue or you are a victim of debt collection harassment? You can sue the debt collector. You are entitled to actual damages, plus $1,000, plus they have to pay for your attorney and court costs. If you are a victim of illegal calls or debt collection harassment you should contact the National Association of Consumer Advocates to get an attorney in your area.

Just because you have fallen on bad times does not mean that you have to endure harassing calls. You have RIGHTS! Harassing calls do not make matters better they only make your situation worse.