You have legal rights to tell a collection agency to not contact you.  All you need to do is write the collection agency and tell them to cease all communication with you.  Just use the form that is below and copy and paste it into a word document.  By law the collection agency must cease contact with you except to tell you that efforts to try and collect from you have been stopped or the collection agency will start a legal action against you like suing you.  A creditor may not threaten to sue you unless it really intends to do so.  If they are threatening you to sue but have no intention, this could be a violation fo the Fair Debt Collection Practices Act.  They could be subject to a fine.

How To Do A Debt Validation Continue Reading »

Can a debt arbitration company stop creditor from harassing me? If a debt negotiation company guarantees that they can stop creditor harassment or creditors from call you, run for the hills. In my opinion telling a consumer that a debt settlement company can get creditor calls to stop is a lie. A creditor has the right to call a debtor for a legitimate debt. This is covered in the Fair Debt Collections Practices Act. A good debt settlement company at best can try to stop the calls but nobody should be making any guarantees however.

A debt negotiation company can help stop creditor harassment Continue Reading »

When can a creditor call me? I think that most consumers believe that a collection agency cannot make calls to try and collect a debt on Sunday. A creditor is allowed to call you on Sunday. The provision that allows calls to be made on Sunday is spelled out in the Fair Debt Collections Practices Act.

Can a creditor call me on Sunday if the debt is with a collection agency?

If the debt is still with the original creditor they can definitely still call. Even if the debt is with a collection agency they can call from 8am to 9pm. If the collector calls outside of these times, they could be in violation of the fdcpa or Fair Debt Collection Act.

How do I stop credit harassment? The FDCPA or Fair Debt Collections Practices Act has strict rules about what collection agencies are allowed to do when trying to collect on a past due debt. Debt Collectors could try and have you pay a debt that you do not owe or are beyond the statute of limitations of debt collection. Continue Reading »

What is the Fair Debt Act? The fair debt act are the rules that must be followed by a creditor when trying to collect on a debt. A collection agency does not have full reign to call and harass you whenever they want. Continue Reading »