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How To Stop Debt Collectors Calling
Do you jump every time the phone rings? Do you dread having to pick up the call only to find that it is a debt collector informing you that you are behind with your payments?
Many people across America find themselves in a similar situation with debt collectors ringing them at work only to embarrass you in front of your work colleagues, many of whom are probably dreading the same phone call! If you are sick and tired of hassle from your debt collectors, then why not take advantage of The Fair Debt Collection Practices Act, which states your right to request a full cessation of cold calls from your creditors.
This law states that your first request to your creditors should be through a letter, which clearly states that you no longer wish to be called by the debt collection agency. If they call after they have received the letter or intent then you can inform them that you will refer the case to the FTC and the attorney general.
- What Creditor Falls Under The Fair Debt Collection Practices Act?
- Only debt collection agencies fall under the legislation of The Fair Debt Collection Practices Act and not the original creditor. Therefore, the original creditor, such as a credit card company or loans company, can call you but you will not be able to stop them by referring them to this law.
- When Can Debt Collectors Call Once The Fair Debt Collection Practices Act Is Enacted?
- The debt collecting agency can call you after you have requested a cessation of phone calls when the status f your account is changed. Changes to your account can include:
- The debt collector is ceasing their efforts to collect the debt.
- The debt collector is referring the case to an attorney.
- The debt collector is suing you.
- What If The Debt Collector Does Not Stop Calling?
- In some cases the debt collector does not stop calling you even when you have request the cessation of calls at home and work. In a case like this you may be eligible to sue them and claim damages.
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