Avoid harassment from creditors and collectors

Receiving a phone call from creditors and collectors can be very embarrassing. It may be more if you receive calls, and in the office. This can make all the jumps every time the phone rings. When you think that there is no way to avoid nuisance calls, read and know how to stop calls from creditors and collectors.

The first alternative is to send a letter to your creditor. According to a new law passed by Congress, may be protectedyour rights as a debtor. Federal law sets guidelines for debt collectors and collection attorneys. The law, known as the Fair Debt Collection Practices Act states that once you ask the lawyers and debt collectors to stop call to your home or workplace are also obliged to stop. What the law only requires that you submit your request in a letter asking them to stop. Just make sure thereis an acknowledgment of receipt of the letter.

Once a creditor calls you specifically tell them to stop calling them. You may say I'm not busy now, so you can not afford right now. It is also important to tell them to stop calling you at work or at home. You can then inform you that the user may be through a letter.

If the creditor or collector continues to call despite his request. You can send awritten request. In the letter, we can cite the Fair Debt Collection Practices Act of autonomy that allows them to call home and at work. Otherwise, it will be forced to make a legitimate complaint with the Federal Trade Commission and the Attorney General.

It should be noted, however, that creditors are entitled by law to contact you if there are changes in your statement. But should only do so in writing.

Anotheroption available to stop nuisance calls is to block calls with the use of "TrapCall. What expertise and activate the lock, 80% of calls from creditors. This is software that lets you know who they are and what you call a number you are calling.

The next thing you can do is ask your phone company to block up to 5 phone numbers. Usually available at no cost. All you have to do is write all your creditorsnumbers and then call your service provider's mobile cell phone to block numbers for you.