How to Write a Cease and Desist Letter to a Debt CollectorĬease and desist letters are legally binding notices to debt collectors telling them to stop contacting you. This request is called a “ cease and desist” letter. If you want bill collectors to stop calling, you must ask them to do so in writing. While working out a strategy to get out of debt, you might get debt collection calls. You don't want debt collection calls to your cell phone. You don't want debt collection calls at work. You're in a debt settlement program and trying to save a lump sum to offer creditors. You can't afford to pay your collection account. You're trying to stop collection calls for a family member. There are valid reasons to want collection agencies to leave you alone: But you would not be looking for ways to stop calls from bill collectors if that was an option. The most obvious way to stop debt collection calls is to simply pay what you owe.
In late 2021, changes to debt the Fair Debt Collection Practices Act (FDCPA) increased protection for consumers from inconvenience and embarrassment caused by debt collection calls. The best way to stop collection calls depends on who is calling and how much contact you're willing to allow. It's understandable that you'd want to block collection calls at work or stop collection calls to your cell phone. Census Bureau.īill collectors may call at inconvenient times or in embarrassing places. If you’ve experienced this, you’re not alone: nearly one-third of Americans with credit have debt in collections, according to the U.S. Carrying a lot of debt is stressful enough without dodging calls from aggressive debt collectors.
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