Are you experiencing a high volume of aggressive debt collection calls? Are you constantly asking yourself how to stop collection calls? As a consumer you have rights, especially when it comes to harassing collection phone calls.
While you can verbally demand that calls stop, and to keep calling you is indeed harassment under the law, you may have a greater degree of success with a formal letter telling the debt collector to cease and desist all contact. Once the collector receives your letter the Fair Debt Collection Practices Act (FDCPA) only allows the collector to contact you one final time in writing, to set forth what action the collector will take next. Most collectors will not respond at all but will cease all contact as required.
We’ve provided a template for a good cease-and-desist letter. Insert your own personal information where indicated. If the debt collector does not honor the instructions, you have every right to take legal action, all without charge if you are a client of our firm. Feel free to call us about this or other FDCPA issues or consult our website: www.creditlaw.com.
Date
Your Name
Address
City, State Zip
Debt Collector’s Name
Address
City, State Zip
Re: Account Number
Dear Debt Collector [SPECFIC COMPANY NAME]:
Pursuant to my rights under federal and state debt collection laws, this is notice to cease and desist communications with me in any form, as well as my family and friends, in connection with the above account and all other alleged debts you claim I owe.
You are hereby notified that if you do not comply with this request, I will immediately contact private legal counsel and file a complaint with the Federal Trade Commission and the [YOUR STATE HERE] Attorney General’s office.
Sincerely,
[YOUR NAME]
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