How To Put A Stop To Telephone Calls From Collection Agencies

AdminBy AdminNov 4, 20170

If you have a debt that is being held by a collection agency, it is a fair bet that before long you will begin to dread the ringing of the telephone. Collections agencies set strict quotas for their employees, and debt collectors work hard to meet those quotas.

This, of course, means calling you every chance they get to remind you, yet again, that you have an unpaid debt. Fortunately, there is an alternative to unplugging your telephone or changing your number. You have the legal right to demand that a collection agency permanently stop contacting you.

Your Legal Right To Privacy

All collection agencies must abide by the Fair Debt Collection Practices Act (FDCPA). Section 805 of this document outlines the rights of consumers regarding communication with debt collectors.

Should you wish to no longer hear from representatives of a collection agency, you have the legal right to demand that the company immediately cease all contact with you. Your demand must be submitted in writing, and it is not considered valid until it is received by a representative of the agency.

How To Write The Letter

Your letter does not have to be long, wordy, and packed full of legal jargon. No one expects you to sound like an attorney.

The only requirement you have to meet is to get your point across to the collection agency that it is strictly prohibited from ever contacting you again. Type or print your name at the bottom of your letter rather than signing it. Although it may add an element of professionalism to your request, adding a signature to any document that is going to pass through the hands of a debt collector is playing with fire.

Technology is a fine thing, and some debt collectors won’t hesitate to use it to put your signature on documents you’ve never seen. This could leave you in an unpleasant legal situation that can be avoided by omitting your signature.

Request A Receipt

Request A Receipt

Unfortunately, collection agencies are well accustomed to receiving these letters. If you have no proof that the collection agency received your letter demanding that it cease all communication with you, don’t expect it to adhere to the request.

If questioned, the company will deny any knowledge of your demand. Why would any company blatantly break the law this way? That’s simple. Consumers are much less likely to pay their debts if they are not continually reminded to do so. If you strip a collection agency of its ability to call you and send you letters, it has no way of reminding you to pay the debt.

If your letter arrives by standard delivery, the collection agency knows that you have no proof that you actually sent the letter. Thus, you have no proof that it is violating the FDCPA by continuing to call you.

That is not to say that all collection agencies employ such unethical practices, but the most successful ones often do. It is always in your best interest to spend the extra money to ensure that any letters you send to a collection agency are sent with a return receipt.

A return receipt is a small card that is returned to you by the postal service once your document has been safely delivered. An added bonus is that a representative of the company is required to sign the return receipt verifying that the letter has, in fact, been received. You may request a return receipt with any document or package that you send via registered or certified mail.

Further Contact

Further Contact

Once the collection agency receives your notice that all contact must cease, it is permitted by the FDCPA to contact you in writing one last time to inform you that it will either not be contacting you in the future, or that it intends to take legal action against you to recover the debt. Should the telephone calls continue, you can file a lawsuit against the collection agency for violating the FDCPA.

Owing a debt you cannot pay does not mean you deserve to be constantly disturbed by the telephone. By demanding that a collection agency adhere to the FDCPA, you are demonstrating your familiarity with the law and that you will not tolerate harassment. You may be surprised at the peace of mind you can gain from one simple letter.

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