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How to Stop Bill Collectors from Contacting You

Written by: Peter Francis Geraci

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Posted over 3 years ago. 2 helpful votes, 0 comments

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Identify Who Is Contacting You

Often, a creditor you owe will send the account to another entity, called a collector. You can stop collectors from calling you if you send a "Cease and Desist Letter" to the collector. You must identify a. The name of the collector (often made up or false) b. The collection agency, address and phone c. Who the collector is collecting for: in other words, who is the original creditor you made the debt with.

Sending the Cease and Desist Letter

Simply send a letter to the collection agency you want to stop contacting you, certified mail, stating: a. The name of the creditor they are collecting for b. "I want you to stop contacting me in any way" Once the collection agency receives your cease and desist letter they can communicate with you once more, via mail, letting you know one of three things: that further efforts to collect the debt are terminated, that certain actions may be taken by the debt collector, or that the debt collector is definitely going to take certain actions. When you send the cease and desist letter to the debt collector, send it via certified mail with return receipt requested. This will provide proof that the letter was sent and received. If the debt collector communicates with you beyond the single instance allowed by law, this evidence will allow you to seek punitive action against the debt collector.