How to stop bill collectors from contacting you

February 17th, 2016 by New World Collections

Whenever you are contacted by a bill collector, you do reserve the right to decline any further contact regarding the debt.  However, it is best advised on the first call to see if you can rectify the matter first, especially if it is a valid debt.  On the other hand, if you continue to receive repeated calls and wish for the contact to stop, you can advise him/her in writing to “cease” any further contact regarding the debt.  Here is how you should do it:

Write a letter stating you no longer wish to receive contact regarding the debt in question.  To be on the safe side, you should make a copy and send the original by certified mail with a return receipt to retain proof.  Once the bill collector receives that letter, by law they are no longer allowed to contact you again.  However, there are some exceptions to them contacting you such as to let you know the contact will cease or that an intended course of action will take place.

The intended purpose of this advice is strictly for the purpose of relieving stress brought upon you by repeated phone calls.  However, if you know the debt is valid and do have intention to pay it, you should work out arrangements soon enough with the bill collector.  Otherwise, telling a bill collector to cease contact does not make the debt go away.  The debt collection agency can still take legal action or report your debt to the credit bureaus for failure to pay it.

It is always best to immediately resolve debts you know to be valid.  However, if you want to stop bill collectors from contacting you, this is how to do it.  Again, if they ignore your letter, they are in violation of the Fair Debt Collection Practices Act.

 

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