How to STOP Collection Calls!

How to STOP Collection Calls, is one of the easiest things a consumer can do. There are a few different ways to go about stopping collection calls that all evolve around, what is called a "Cease & Desist" notice. A "Cease & Desist" is simply a verbal or writtent statement that you want any/all calls and/or communication to STOP........you are telling someone (preferably harassing bill collectors) that you want them to Cease calling you.

There are going to be different situations in dealing with debt collectors where you only have to advise them that you want them to "Cease & Desist". These situations are as follows:

Place of Employment (work):
If you tell a bill collector that you cannot receive calls at work because it is an inconvenience for you or your company or boss does not allow it, then a verbal "Cease & Desist" is enough under the FDCPA (Fair Debt Collections Practice Act) - Just to be on the safe side, I would recommend you fax over a "Cease & Desist" letter.

You should also ask the collector to remove your work number from their system and advise them that if you receive another call at work, you will consider it a violation of your rights under the FDCPA and may pursue legal action against them.

Cell Phone:
A collection agency cannot make a consumer incur any type of expense while they are trying to collect a debt from the consumer. In most cases consumers pay for minutes or a monthly plan on their cell phones. With this in mind, if a bill collector is calling you on your cell phone, they are making you incur an unecessary expense, so as I mentioned above, a verbal "Cease & Desist" should suffice. Simply advise the collector that they are calling your cell phone and that it is costing you money and that you want them to "Cease & Desist" from calling your cell phone.

Keep in mind most bill collectors will try to get other numbers from you if they take out a work or cell phone number, if you want to give them a new number -then that is your choice.

What I would recommend is that you request that they put everything in writing, rather then provide them with a phone number they may not have.

As mentioned before, the examples I just conveyed is where a "Verbal Cease & Desist" is only necessary, now if you want to STOP the collection calls at home, you will have to send that request in writing. Meaning that you send a letter to the collection agency or creditor requesting them to "Cease & Desist" Telephone communication with you.

I would recommend that you send such a letter via certified mail, that way you have proof that you sent it.

Tip: If you are requesting your creditors or bill collectors to "Cease & Desist", you will want to make sure you ONLY request them to "Cease & Desist" telephone communication. You do not want to shut down all lines of communication your creditors or collectors may have, such as snail mail. This has ended a lot of consumers in a position where they are sued, because the creditor or collection agency was "Ceased & Desist" from all communication..................so once again, only request the cease & desist on telephone communication..................this should STOP the harassing Collection Calls.

There may be more information not conveyed here, but this should give you a general idea of what you need to do, to Stop the Calls!

If you would like a "Powerful Cease & Desist" Letter, contact me via this posting.

Sincerely,
Jason Oswald
Debt Elimination Guru
www.nationaldc.com