STOP Collection Calls!
Stopping creditor phone calls is easier than you think.
The FDCPA allows consumers to stop all communication from bill collectors regarding attempts to collect debts.
To do this a consumer must communicate one of the following messages to the bill collector in writing:
(1) To cease all further communication regarding the debt.
(2) Stating that he/she refuses to pay the alleged debt.
(3) Stating that the debt has been paid in full.
Upon receiving one of these messages in writing from a consumer, a bill collector must stop all further contact with that consumer except for one last communication, which is limited to:
(1) Advising the consumer that he is terminating his effforts to collect.
(2) Notifying the consumer that specified remedies such as legal action or credit reporting may be employed, or
(3) Notifying the consumer that a specific action will be take like filing a law suit.
In this final communication, bill collectors cannot request payment in any manner and they cannot initiate any further communication with the consumer.
