Friday, November 28, 2008

Debt Collectors - Stop It, Enough Already!

Fair Debt Collection Laws require that they leave you alone if you write and tell them to. If they don't, you can sue for damages.

Write a letter that looks like this

Your Name
Mailing Address
City, State, Zip


Name of Collection Agency
Mailing Address
City, State, Zip

Re: Notice to Cease Contact: Case # ________

[If the collection agency has sent written notice, your case number is likely in the letter. If you have not received a written notice from the collection agency, tailor this line accordingly. For example, show the date you were contacted by the collection agency.]

To [person whose name appears on agency's notice to you]:

On [date] I was contacted by [name of person who called you] of your agency, who informed me that [name of collection agency] is attempting to collect [amount of claimed debt].


On [date] I received a written notice of the claimed debt, a copy of which is attached.

This is to give you notice to cease all contact with me or anyone else except the creditor about this claimed debt. If you must contact me, please do so in writing and not by telephone.

I look forward to your acknowledgement that you have received this notice by [date that is two weeks from date of letter].




Your Name

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