How to Stop Debt Collection Calls and Letters

Getting a debt collector to “cease and desist” is easy thanks to the Fair Debt Collection Practices Act (FDCPA). If you are getting calls or letters regarding a consumer debt (credit card, medical debt, rent, etc.), and you want them to stop, all you have to do is send a letter to the debt collector who is contacting you. This is all the letter needs to say:

Stop contacting me.

Just make sure you include your name, address, and phone number so the debt collector knows who to stop contacting.

If the calls or letters continue after you send this letter, the debt collector may be liable to you for $1,000, plus actual damages, costs of litigation, and attorney fees. If that happens, contact a consumer lawyer right away.

Featured image by thecrazyfilmgirl / CC BY 2.0.