STOP COLLECTOR HARASSMENT! Get some breathing room
Collection agencies and their debt collectors have no right to harass, intimidate, coerce, or
use abusive tactics in recovering past due debts owed to their client.
Every debt collector is aware of these rules. Unfortunately, a few choose to ignore the rules
and in some cases go well overboard in their abuse of people who are past due debts.
There is a way to stop the harassment by these types of debt collectors and it as simple as
writing a letter to the offending collection agency requesting that they cease
communications to your home or place of business.
use abusive tactics in recovering past due debts owed to their client.
Every debt collector is aware of these rules. Unfortunately, a few choose to ignore the rules
and in some cases go well overboard in their abuse of people who are past due debts.
There is a way to stop the harassment by these types of debt collectors and it as simple as
writing a letter to the offending collection agency requesting that they cease
communications to your home or place of business.
** SAMPLE LETTER **
Certified Mail Number: (enter Certified Mail number from label)
Date:
Name on account: (all names on account)
Credit Account Number:
Creditor: (name of creditor)
Attention: (Name of Debt Collector and Collection Manager)
Dear Sir, (or Madame)
I am writing this letter in reference to the harassing phone call that I have received by your
collector, (name the debt collector), in reference to my past due account noted above.
This letter will serve as formal notice to your agency and all its representatives of your
agency, to cease all communications to my home phone number, place of business phone
number and any other phone number listed on my account.
Sincerely,
(your signature)
(your address)
(city state zip code)
(your home phone)
** As noted above, this letter will not eliminate your just and valid debt. However, it will
allow you some breathing room and give you some time to sort out your situation.
Do not wait until you need your credit to do something about it. Be pro-active, regain,
and maintain a strong credit record for a better quality of life.
Certified Mail Number: (enter Certified Mail number from label)
Date:
Name on account: (all names on account)
Credit Account Number:
Creditor: (name of creditor)
Attention: (Name of Debt Collector and Collection Manager)
Dear Sir, (or Madame)
I am writing this letter in reference to the harassing phone call that I have received by your
collector, (name the debt collector), in reference to my past due account noted above.
This letter will serve as formal notice to your agency and all its representatives of your
agency, to cease all communications to my home phone number, place of business phone
number and any other phone number listed on my account.
Sincerely,
(your signature)
(your address)
(city state zip code)
(your home phone)
** As noted above, this letter will not eliminate your just and valid debt. However, it will
allow you some breathing room and give you some time to sort out your situation.
Do not wait until you need your credit to do something about it. Be pro-active, regain,
and maintain a strong credit record for a better quality of life.
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** It is important to note, that in
writing and submitting this letter will
in no way eliminate your obligation
to satisfy any just and valid debt to
your creditor.
To assure a solid credit record it is
important to reach a satisfactory
agreement to repay your valid past
due accounts.
It is important to send the letter
Certified Mail-Return Receipt
Requested so as you have official
record of your letter being mailed and
official record of the collection agency
receiving it.
writing and submitting this letter will
in no way eliminate your obligation
to satisfy any just and valid debt to
your creditor.
To assure a solid credit record it is
important to reach a satisfactory
agreement to repay your valid past
due accounts.
It is important to send the letter
Certified Mail-Return Receipt
Requested so as you have official
record of your letter being mailed and
official record of the collection agency
receiving it.