How to use a letter of debt to get a little peace of mind

One of the biggest complaints from people who are in debt is troublesome and persistent calls from debt collectors. At all hours of the night, and apparently without any regard for the people who are annoying, these pests keep calling. The worst thing is that it seems that there is nothing to do.

Fortunately for you, there's something you can do. It is not a simple "debt letter can be written immediately with no debtcollector saying "Sorry, I have not bothered to happen again." This letter is only a few minutes to write and give you peace of mind long after mailed.

So what's special about this letter? What magic words do not contain, which can scare the likes of these bill collectors (who are not like vampires in their efforts to suck your bank account dry)? And because it works so well?

First, this letter is a legal way ofinform the collector that they no longer wish to be contacted about your debt. According to the Fair Debt Collection Practices Act, or FDCPA, if a debtor (that's you) communicate with a collector (that is) his desire not be contacted about a debt, must comply with that request.

Even better, specific ways FDCPA states that a collection agent can be punished if they continuecontact you. debt collectors know they can be punished for continuing to harass her, so stop being parasites generally, and immediately after sending the letter.

Best of all, if they do keep in touch with you, these collectors may be required to pay for you! So, if they continue to harass you can mention in state or federal court for violating the FDCPA and may have to pay for actual damages (for example, if you lost your job because of hisharassment at work). Even if you do not have any damage, the Court may make them pay a fine of $ 1,000.

So what you have to write this letter? First, you must give your identifying information: name, birth date, account number of the debt in question, the name of the creditor for the debt in question, address, etc. Then, you must specify what is formally requesting that an end to all communications related to [# XXX] with [creditorXXX]. State that you are doing in the Fair Debt Collection Practices Act, 15 USC 1692c (c), which is the legal reference to the FDCPA.

That's it! This is all that is legally bound to get some "peace and tranquility.

Some things to keep in mind that this only works with collection agencies, not the original creditor. The original creditor is one who has the debt and debt collectionagency is the external company that is trying to collect the debt in exchange for a percentage of income if you pay the debt. Some creditors have in house collection agencies, believed to be the same as the original creditor. The original creditor can still call or contact you about your debt with them, because the FDCPA does not apply to them.