How to stop calls from collectors Nasty

Being in debt is worrisome enough, but what people really find disturbing are the ugly phone calls from debt collectors. But what many do not realize is that there is a simple way to stop this harassment. The debtor's rights outlined in the Fair Debt Collection Practices Act or FDCPA. After a brief summary of the provisions for the protection of debtors contained in the FDCPA, which will explain the procedure to stop the unpleasantcalls.

In accordance with the provisions of the FDCPA, there are restrictions on how and when debt collectors can contact you. For example, not allowed to call before 8 am or after 9:00 pm or by calling the workplace where they are aware that the employer does not allow private calls. On the other hand, can not harass or abuse you, nor to suggest that non-payment will constitute a criminal offense.

Even with these restrictions is a remaining debtwith many opportunities to make a call on the money owed. What can I do to prevent these calls? The answer is very simple - just write the debt collector asking him to stop calling. In the formal language will send a letter of formal notice. Once your letter has been received from the collection agency debt is authorized to send a final letter advising what action, if necessary, propose the adoption. Note that this appliesfor collectors and not the real creditor.

The letter to the collection agency should be asked to cease and desist from communicating with you further, so you can cover both phone calls and letters. The exact wording of the letter is not important, but it would not hurt to remember that are submitted in accordance with their rights under the FDCPA. You can also say that if you fail to comply with your request, we will make a complaint to the FCCCommission and the attorney general's office in your state.

It is important that your letter of formal notice for the collection agency must be sent by certified mail, return receipt so you have proof it was received. If the debt collector ignored the letter and continue to call, then you will have the necessary evidence to act against the agency. Is there a time limit for filing a claim. You have one year from the date ofviolation of a lawsuit.

While collection agencies have a legitimate function to perform, must comply with the law. Know your rights, you will be able to apply and put an end to the nasty phone calls from debt collectors.