Debt collectors can be a pain but it doesn’t take superpowers to stand up to them. Because of the 30-day window given by the FDCPA for debt validation, it’s also important that you don’t validate who you are for collection calls or letters. This way they have no proof they reached you if the matter ever goes to court. It can also restart the seven-year clock. Of course, ignoring them won’t make them stop. To stop collection agency harassment you can send a letter to the collection agency to stop harassing you.
Let’s discuss a real-life experience. When Charlie came to see us, he looked like he got in a fight with Mike Tyson. Because he was exhausted and disheveled. So, when I asked him what was going on, and he said, “debt collectors are calling me every day!”
Getting constant collection calls, letters, and emails can be stressful. There is a way to stop collection agency harassment calls and letters. Thankfully, federal law requires collection agencies to stop collection efforts after receiving a written request. Here’s the perfect strategy to stop the madness without admitting fault.
Fax, email, or mail this handy letter to any collection agency contacting you:
10 Cherry Lane
Flint, MI 10886 (replace with your name and address)
January 2, 2010 (replace with today’s date)
NBC Collection Agency
1 Main Street
Flint, MI 10887 (replace with the collection agency’s information)
Dear Sir or Madam:
I am writing to request that you stop contacting me about an account number _______ with
[name of creditor] as required by the Fair Debt Collection Practices Act 15 U.S.C. section
[Describe any harassing contact by the collection agency. If appropriate, provide information
about why you cannot pay the bill or do not owe the money].
This letter is not meant in any way to be an acknowledgment that I owe this money. And I will take care of this matter when I can. Also, your cooperation will be appreciated.
Very truly yours,
Always be sure to send the letter with a return receipt so you have proof you sent it. If you continue getting calls and letters from the agency, document them and send another letter. This paper trail helps you or your lawyer if you decide to sue the collection agency down the road.
And you absolutely should sue if necessary. You can recover up to $1000 plus any damages and attorney fees. That’ll teach those collectors for breaking the law and harassing you.