Quick Money Loan

Every time the phone rings Do you jump in fear of bill collectors? Have you been embarrassed at work because a bill collector keeps phoning you? If so, then there is a simple way to get debt collectors and creditors to stop calling you.

Congress enacted federal legislation that regulates debt collectors and collection attorneys and protects the rights of debtors. This law known as The Fair Debt Collection Practices Act, requires that debt collectors and attorneys stop phoning you at home and at work once you ask them to stop.

The law specifies that your request must be in writing, therefore, you should tell them to stop calling you at home and at work the next time they call, but then follow it up with a certified letter, return receipt requested.

If the debt collector refuses to comply with your do not call request you will have to quote the actual law.

“The Fair Debt Collection Practices Act requires that you stop phoning me at home and at work once I request that you do so. I intend to send you a certified letter tomorrow putting my no contact request in writing. If you continue to phone me, then I will file a complaint with the FTC and the attorney general.”

This should stop the calls.

The Fair Debt Collection Practices Act does not apply to original creditors, like a credit card company, it only applies to debt collection agencies and attorneys collecting debt. Therefore, do not quote the FDCPA to get original creditors to stop calling you. Instead, quote state law which governs original creditors but usually has similar provisions to the federal legislation.

Note: Collectors do have the right to call you after you request them to stop phoning you if the status of your account changes. They can still call you to tell you they are
1. giving up collection efforts
2. are turning your account over to an attorney
3. are going to sue you.

Usually they won’t call you again after you request that they don’t. If a debt collector does contact you after you request that he stop, you might have the right to sue and collect damages.