You know that you’re in debt, and it’s possibly even a result of financial mistakes you’ve made in the past. You’re working hard to pay off what you owe, but you can’t pay it all at once. The constant calls from debt collection agencies don’t do anything to change this fact. Can you tell a debt collector to stop calling? Actually, yes! The Fair Debt Collections Practices Act helps protect people just like you from predatory debt collectors when you’ve missed bill payments and gotten yourself too far into debt. One thing it covers is debt collector harassment and intimidation. Calling too often is debt collector harassment. 

No matter how many times they call, when they call you, or where they call you, you are legally allowed to tell them to stop. Yes, you can do this even if they’re following all of the rules but you simply don’t want to hear from them anymore. It’s time you learn everything you need to know to make debt collectors stop calling you! 

How to Get a Debt Collector to Stop Calling

They’re calling you several times a day, even calling you at night. You have a right to tell the debt collector to stop calling you. If you follow all of the rules, they have to comply! You must do this in writing in order for it to be legally binding. If you tell a debt collector in writing to stop contacting you, it may not contact you again except to say there will be no further contact or to notify you that your creditor may take some specific action it is legally allowed to take, such as filing a lawsuit against you. Remember, even if they stop calling that doesn’t mean the ordeal is over. Your creditor may still file a lawsuit against you or make a negative report to a consumer reporting company.

In your letter, you’re going to be as specific as possible about who they are, who you are, which debt they’re talking about, and the fact that you don’t want them contacting you any more. They have to stop calling you after this. If they don’t, they’re either breaking the law or scamming you.

If you’re having trouble with debt collection, you can submit a complaint with the Consumer Financial Protection Bureau by calling (855) 411-CFPB (2372). They also have sample letters you can use as a template to prepare your official letter telling the debt collector to stop calling.

Contact Safe Credit Solutions

You don’t have to handle this alone. Here at Safe Credit Solutions, we can help you deal with debt collector harassment. This is just one of the services we offer. We can also work with you to improve your credit score so your financial situation is much better than you ever thought it could be. We are only a phone call away!