Posted on September 16, 2009 at 9:00 pm how can consumers go about stopping debt collection calls? are there any laws that protect consumers from harrassment from these guys?

Posted on September 17, 2009 at 2:02 am There is a law called the FDCPA or the Fair Debt Collection Practices Act, and they protect consumers from harassment and unfair practices by debt collectors. Stopping collection calls however is not directly a part of this law. Collection agencies are authorized to contact the debtor between 8 am to 9 pm of the customer's time zone. It doesn't specify the number of times the collection agency can call in a day.

Posted on September 17, 2009 at 2:20 am Another way of stopping debt collection calls is by sending the collection company a Cease and Desist letter requesting that all communication via telephone be stopped. It's a helpful way in not being able to receive calls and all creditors do acquiesce with this request. Bear in mind however that you are still liable for the debt even if they are no longer contacting you to make payments on it.

Posted on September 17, 2009 at 2:37 am Is there any way of stopping debt collection calls at work without writing them a letter? I mean I am entitled to that, right?

Posted on September 17, 2009 at 2:48 am Yes, a simple verbal request for calls to stop at your place of work should be acceptable.

Posted on September 18, 2009 at 2:12 am Karess is right--stopping debt collection calls at the debtor's workplace requires just one verbal request for attempts at contact there be stopped. As per the FDCPA, they are prohibited from further making contact at the workplace after that initial request. Several creditors actually honor the request for no calls at work--most employers after all do not allow their employees to take personal calls, and they do care enough for the debtor not to lose employment. That's pretty much a given even without the backing of a law. How would they expect to collect the debt if the debtor has no income to speak of?

Posted on September 18, 2009 at 2:49 am Another option of stopping debt collection calls is by having knowledge of your debt's statute of limitations. Basically it refers to the time limit that debt collectors are allowed to pursue collection activities on a debt.For more info on that you can click here.

Posted on September 28, 2009 at 6:48 am if i am successful in stopping debt collection calls what are the steps that they will take to contact me and collect the debt?

Posted on September 28, 2009 at 7:12 am They will be sending you letters as a means of communication with you. Take note that collection efforts will still commence in spite of them no longer calling you.

Posted on September 28, 2009 at 10:44 am Cease and Desist letters are more detremental than anyone realizes. Here is why. Once a collection company, or even the original creditor for that matter, recieves that letter, the only way they can comminucate is via USPS. They do not bother. They will send you one more letter. To let you know that they are sending your account to the legal department or legal counsel if you do not resolve the debt within a specific amount of time. Usually 30 days. I DO NOT suggest sending that letter. In some cases, they will call any references you have given on your application and leave non-descript messages with your family and friends. NO ONE wants that. Rather, here are a few more suggestions. 1. Try talking to them once, let them know why you are not paying, and ask them to only call you at a specific time each day. They will normally adhear to that if they feel you are being honest because at the end of the day, they WANT to talk to you. If they are rude or curt, then end the call. 2. Change your number.. or get a pay by minute cell phone and give them that number. Then you know exactly who is calling and why.  Here is another hint: once a collection agent speaks to you and gets any type of resolution, they are not allowed to call you again that day.