Best Ways to Stop Harassing Phone Calls From Creditors
Under the Fair Debt Collection Practices Act passed by Congress, you have the right to stop phone calls from creditors and debt collectors. It is this law that requires debt collectors to identify themselves as a collector, especially when leaving messages. Here are the best ways to stop these harassing phone calls from creditors.
Tell them directly. Inform the creditor that you do not wish to receive calls, and all communications should be conducted by mail.
Send a certified letter. Under the Fair Debt Collection Practices Act, you can submit a letter to your creditors to stop harassing phone calls. It is best to send a certified letter. With a certified letter the postal service will send you a signed receipt indicating that your letter was received. Make copies of this letter and the receipt.
Block their number. Most telephone service providers have call blocker. In some cases, this service is free. In others the fees are not high. With this service, you can block up to ten telephone numbers.
File a complaint. If a creditor continues to contact you via phone after you have told them to stop, file a complaint. File this complaint with the Federal Trade Commission and the Attorney General. Include a copy of your letter and your certified delivery receipt with this complaint.