How To Stop Debt Collectors From Calling

Do you want to know how to stop debt collectors from calling? Are you worried that it’s a debt collector on the other end of the line each and every time your phone rings? Many people who owe a past due debt feel helpless and are even afraid when debt collectors call. It’s certainly an unpleasant feeling and a topic that you’d rather not talk about or even think about. Nobody wants to hear about the fact that they owe money. It’s like throwing it in your face.

Perhaps you are embarrassed by the fact that you owe money and cannot pay it back at this time? However, you do owe the debt and the debt collectors do have a right to attempt to collect the debt as long as they are not taking part in tactics that are considered to be debt harassment. So, how can you stop debt collectors from calling you?

First and foremost, you should contact a consumer rights advocate attorney who will represent your best interests. The attorney will start by writing and submitting a cease-and-desist letter to the debt collectors on your behalf. The cease-and-desist letter will clearly state that you no longer wish to receive calls or contact of any kind from the debt collection agencies that you owe money to. By law, they must adhere to your request and stop calling after receiving the cease-and-desist letter.

If a debt collection agency calls you after receiving a cease-and-desist letter they are breaking the law. In essence, they are committing a form of debt collector harassment. If this is the situation in your case than you may decide to sue the debt collector in a court of law. You may even be compensated by the debt collection agency for your troubles. That being stated, it is important for you to realize that just because the debt collection agencies are no longer allowed to contact you, your debt does not go away.

In essence, the cease-and-desist letter accomplished a great deal because it stops those annoying and often times harassing phone calls from debt collectors. However, it does not relieve you from your responsibility of paying the debt. If you would like more information about how to stop debt collectors from calling or need help, please contact Your Legal Rights Advocates today.