Cease and Desist Letter can not be better

If you want to prevent a debt collector from calling you, the Fair Debt Collection Practices Act allows some ability to do so.

All you have to do is write a letter to the debt collector and tell them to stop calling you at home or at work. Although not necessary to send this certified mail - return receipt requested, are strongly encouraged to do so, such as lost mail.

Once the> Collector receives your letter, the law requires them to stop calling you again except to say there will be more contacts and / or to inform you that the collector or the creditor will have a specific action.

Now here is where you can get sticky.

Although this will stop the debt collector from calling you, does not make the debt go away if money really. If you prevent the collection agency or debtdriver to call you, then you could force the issue and leave no choice but to file a complaint against them and get a decision.

Depending on your state you live, this may be harmful to your spouse if you live in a state community property. In addition, wages may be affected, as they may apply through the court to garnish your wages. If a phrase appears in your credit history, you might have a bad time to apply for a job.

I know how andharassing a debt collector can be. Stop by your call is an easy process, but should not stop there. If you send a letter to stop a debt collector from calling you, use the space for maneuver in organizing the cleaning of your legitimate debts.

I would also write a second letter with details of how you want to erase your outstanding debt. As a payment plan that you are willing to join too. Just do not commit furtheryourself.

The point here is that if we have a debt collector to stop calling, you will need to maintain open lines of communication through email and work on the resolution of legitimate debt, because past.