Cease & Desist Letter may not be best
If you want to stop a debt collector from calling you, the Fair Debt Collection Practice Act
certainly allows you the ability to do so.
All you would need to do is write a letter to the debt collector and tell them to stop calling
you both at home and at work. Though it is not necessary to send this Certified Mail –
Return Receipt Requested, it is strongly recommended that you do so, as mail does get lost.
Once the debt collector receives your letter, the law requires them to stop calling you again
except to say that there will be no further contact and/or to notify you that the debt
collector or creditor will be taking a specific action.
Now here is where it can get sticky.
certainly allows you the ability to do so.
All you would need to do is write a letter to the debt collector and tell them to stop calling
you both at home and at work. Though it is not necessary to send this Certified Mail –
Return Receipt Requested, it is strongly recommended that you do so, as mail does get lost.
Once the debt collector receives your letter, the law requires them to stop calling you again
except to say that there will be no further contact and/or to notify you that the debt
collector or creditor will be taking a specific action.
Now here is where it can get sticky.
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Although this will stop the debt
collector from calling you, it does not
make the debt go away if you
actually owe the money.
If you prevent the collection agency
or the debt collector from calling
you, then you might force the issue
and leave them no other choice but
to file suit against you and get a
judgment.
Depending on your state you live in,
this can prove harmful to your
spouse if you live in a community
property state. Further, your wages
collector from calling you, it does not
make the debt go away if you
actually owe the money.
If you prevent the collection agency
or the debt collector from calling
you, then you might force the issue
and leave them no other choice but
to file suit against you and get a
judgment.
Depending on your state you live in,
this can prove harmful to your
spouse if you live in a community
property state. Further, your wages
may be affected as they could request through court that they garnish your wages.
If a judgment appears on your credit record, it could have a very bad affect when applying
for a job.
I know how demanding and harassing a debt collector can be. Stopping them from calling is
an easy process but it should not stop there.
If you do submit a letter to stop a debt collector from calling you, use the breathing room to
arrange the clearing of your legitimate past due debt.
It would serve you well to write a follow-up letter giving details as to how you intend to
clear your past due debt. Such as a payment plan that you are willing to adhere too. Just do
not over commit yourself.
The point here is that if you are going to have a debt collector stop calling you, you will need
to keep the line of communication open through the mail and work on resolving you
legitimate past due debt.
If a judgment appears on your credit record, it could have a very bad affect when applying
for a job.
I know how demanding and harassing a debt collector can be. Stopping them from calling is
an easy process but it should not stop there.
If you do submit a letter to stop a debt collector from calling you, use the breathing room to
arrange the clearing of your legitimate past due debt.
It would serve you well to write a follow-up letter giving details as to how you intend to
clear your past due debt. Such as a payment plan that you are willing to adhere too. Just do
not over commit yourself.
The point here is that if you are going to have a debt collector stop calling you, you will need
to keep the line of communication open through the mail and work on resolving you
legitimate past due debt.
| Copyright 2005-2008 Debt Credit Learning Center |
God Bless.
Carlos Cruz
Debt Credit Learning Center
Carlos Cruz
Debt Credit Learning Center