Stop Debt Collectors

Phone calls coming from debt collectors can be extremely bothersome, to say the least. For some, the calls are so irritating that phone numbers must be changed or disconnected to avoid debt collection calls.

When Can Debt Collectors Call

The Fair Debt Collection Practices Act (FDCPA) is the federal law which says what collectors can and can’t do. For example, they’re not to contact you about a debt that you don’t owe. When a debt collector first contacts you about a debt, you possess the right to demand them to verify the debt is yours. If the debt collector can not come back with proof that you are obligated to pay the debt, they’re not permitted to contact you anymore.

Even without sending a validation request, debt collectors have certain rules they must adhere to when it comes to getting in touch with you over the phone. For example, they can not call you before 8 a.m. or after 9 p.m. your local time. They can’t call you repeatedly, and they can not call you anytime you have previously stated is inconvenient.

Stop Debt Collection Calls

There’s no law that says you have to contact a debt collector by phone. If you hang up on a debt collector there is nothing they can do about it. But, if the collector continues to contact you repeatedly even after you have hung up on them, they’re in violation of the FDCPA.

All you need to do to stop collectors from contacting you is tell them that you prefer to speak with them in writing. Written communication works to your advantage as it gives you a record of everything that is said. If the debt collector violates the FDCPA, you’ve got hard evidence that could result in a lawsuit to your benefit. Keep in mind that, for legal reasons, the debt collector doesn’t have to honor this request.

The surest method to end debt collectors from calling you is by sending what’s referred to as a cease and desist letter. In the letter, state that the collector should cease and desist additional interaction with you. Remember that the cease and desist letter simply applies to debt collectors, not the original creditor.

What Happens After the Cease and Desist

After the collection agency receives your cease and desist notice, they can contact you once more, via mail, letting you know one of three things: that additional attempts to recover the debt are terminated, that certain actions may be taken by the debt collector, or that the debt collector is definitely going to take particular actions.

When you send the cease and desist letter to the debt collector, send it via certified mail with return receipt requested. This will provide proof that the letter was sent and received. If the debt collector communicates with you more than the single occasion allowed by law, this evidence will permit you to seek corrective action against the debt collector.

We stop debt collectors in their tracks.

The Federal Fair Debt Collection Practices Act was enacted to stop abusive, deceptive, and unfair debt collection procedures by debt collectors. If you feel you’ve been the victim of unfair practices of a debt collector, contact us today for a free of charge evaluation of your debt collection issues.

Under debt collection laws, you might be entitled to money damages and payment of your attorney’s fees, if a debt collector has broken the law.

You have the right to stop collectors from harassing or abusing you.

Yes, the law protects you from unfair and coercive debt collection strategies. You have to know how the law can protect you and help you keep them in check.

A debt collector cannot:

• Telephone you an unreasonable number of times
• Call you at an unusual time/place
• Disclose information of your debts to 3rd parties
• Use profane or other abusive language
• Get hold of you after written notification that you do not want to be contacted any further
• Claim to be affiliated with any governmental organization
• Misrepresent the character, amount or legal status of a debt
• Threaten of to take any action that can’t be taken legally
• Accuse you of having committed a crime
• Threaten or communicate false credit information
• Attempt to collect, until they honor your request to validate
• Use deceptive methods to collect debts
• Call you before 8:00 a.m. or after 9:00 p.m.
• Call you, but not announce who they are

You Can:

• Have the debt lowered or even removed
• Have your credit report cleared of negative reports
• Receive up to $1000
• Have attorney fees compensated by the collection agency

… and more

If a debt collector has engaged in any of these abusive, deceptive or unfair debt collection techniques, contact us for a complimentary evaluation to determine if you are entitled to recover money damages and payment of your lawyer’s fees.