Learn How to Stop Collection Agencies from Harassing You
If any debt collection firms are harassing you, you can make them stop immediately. Simply write a two-sentence letter advising them to cease all contact with you. The first sentence should say: “I am unable to pay this bill because…” or “I refuse to pay this debt because…” and explain your reason. You also have the option of not providing a reason at all. The second sentence should state: “I hereby assert my right, under Section 805-C of the Fair Debt Collection Practices Act, to request that you cease any farther communication with me.” After they receive your “Cease & Desist” letter, debt collection firms can’t contact you, except to indicate that the collection process against you has stopped, or that they plan to take, or recommend that your original creditor take, legal action against you, such as taking you to court. Even then, debt collectors can’t threaten legal action unless they truly intend to take it. Either way, the annoying phone calls and those harassing letters will immediately end. Collectors might say they’ll proceed with court action and it’s not true. They’ll say things like your wages will be garnished’ even if it’s not true, because collectors will walk right over a person who’s ignorant of the law. Knowing the Fair Debt Collections Practices Act is the debtor’s best tool against collection agents.
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