Top 3 ways to stop debt collectors from calling you

Millions of people in debt have had the experience of being called by debt collectors. You can be in this situation, and I wondered what you can do about it. How I can stop calling the debt collectors at home, at work and at night from collectors?

If you're in this situation, you're lucky. There is a law known as the Fair Debt Collection Practices Act, which keeps it protected from harassment by> Collection Agencies. The Fair Debt Collection Practices Act (FDCPA) indicates exactly what debt collectors can and can not use the shares to collect your debt.

Here are three ways to stop debt collectors call you:

Put in writing - The first and best way to make stop calling is to let the collector know in writing that "you want the debt collector to ceasecommunication with you. I am therefore obliged by law to stop contacting you in any way or manner of receiving your letter, with certain specific exceptions. These exceptions are described in the FDCPA.

Remind them of the law - a debt collector can call your workplace, but only to find their personal phone number. If you call your place of work and inform your employer about your debt so they can pay the pressure,violation of the law. Make sure the lender knows they know their rights under the FDCPA. If they persist in calling others to communicate the debt may be within their right to sue any failure.

Being gossip tale - If debt collectors continue to call even after stating in writing to stop calling you, make sure that the authorities know. To start, says the Federal Trade Commission (FTC). The FTC is the governmentagency requires the FDCPA. the FTC's main source of information on consumer complaints, debt is bad, so we know you have a complaint. Make sure in advance that has collected information on the collection agency and the agent who has been harassing you to try to get you. Keep track of when they were called, by whom and what they said. The FTC can use this information as long as you take the body to collectcourt.

collectors can take advantage of you, but only if you let them. Be a smart consumer awareness of their rights under the FDCPA. Know your rights and be firm on the exercise of your rights, you can avoid problems, headache, and harassment by debt collectors.