How to stop debt collector harassment

Want to get panic attacks every time you go to sleep at night? Your phone or cell phone keeps ringing incessantly with an unknown number? Are you one of those who are constantly persecuted and harassed by debt collectors, you know exactly what I'm talking about. Some collectors are annoying and at its worst, can also be a threat and a nerve racking experience.

So how to stop them? This article will show you a powerful action you can take as aconsumers.

Your consumer rights

The Fair Debt Collection Practices Act (FDCPA) is the law governing third party collection of debt. It's like a group of consumers the right to notify a debt collector to stop communicating and the debt collector must comply with your request Under Section 805 of the FDCPA. After receiving the written request, the collector may notcommunicate with you if you no longer manage the account or to communicate their intention to file a lawsuit.

The use of a formal notice

One of these rights is to send a letter of formal notice to stop harassing phone calls and threatening letters. There are two types of letters of formal notice, a full, partial and limited a cease and desist. The full cease and desist letter to instruct the collector to stop all communication. A partial cease and desist from collecting the request to keep all written communications, like phone calls are considered an inconvenience to you.

This letter of formal notice to be sent?

There are some important things to consider before you start taking action. First you need to know the details of your debt. We need to know if the debt is in or out of the requirement in your state. This simply means that the> Collector has the right to sue if you do not pay.

Full cease and desist letter

If the debt is out of the prescription for your state, you can send a full cease and desist letter. Even if the debt collector can still sue, you have what is called an affirmative defense, because the debt was out of debt limitation and therefore excluded from the time.

Restricted orpartial requirement letter

If the debt is within the limitation of her condition, it is best to send a limited number of cease and desist. This allows the collector to send all written communications and can not concentrate at work or the solution to settle the debt. You may consult with the District Attorney's Office or the state website for more information about time constraints that apply to your debt.

This isonly a starting point. Your website has been a lot of information about debt collectors and your rights when it comes to them. Be sure to check and verify with the district attorney's office in the state. They are now empowered with knowledge, you do not live in fear of collection letters and harassing phone calls more.