It’s no coincidence that the domain name chosen for this website is stopcreditorcalls.com. After all, who can stand a constant barrage of collection calls and harassment? We know it's stressful to be unable to pay your bills on time, and that it’s even more stressful to hear from a bill collector about those overdue debts. With our help, these calls can stop.
The most effective means of dealing with a creditor or debt collector is to be represented by a competent attorney. You should NEVER talk to a creditor or debt collector on the phone by yourself. Although this sounds easy, many people have a difficult time hanging up the phone when such offensive and often persuasive creditors are on the other end.
There is also a Federal law called the Fair Debt Collection Practices Act (FDCPA) , which can sometimes help you. The FDCPA prohibits certain debt collectors from engaging in abusive behavior. It does not cover collection tactics employed by original creditors (like credit card companies who issue credit cards). It only protects you against the harassment of a third-party debt collector (collection agency).
Some of the abusive practices prohibited by the FDCPA include:
Another great section of the FDCPA affords you the right to tell a collection agency employee to stop contacting you. Simply send a letter stating that you want the collection agency to cease all communications with you. The agency is then prohibited from contacting you, except to tell you that collection efforts have ended or that the collection agency or original creditor may seek further enforcement of their claim.