Stop Harassing Calls From Third Party Debt Collectors

The quickest way to stop a Third Party Bill Collector from calling and harassing you is to send the agency a "cease and desist" letter. That simply means, you send them a letter telling them they are not allowed to call you or write you. They must immediatly cease contact. This way you are in control of when you talk to them. You can call them but they cannot call you.

The best way to send the "ceast and desist" order is via fax, certified mail, or any means that will give you proof that it was sent. Also, try to get a managers name and address the letter to that person. Make sure the letter is dated and very specific in what you want. If you only want the calls to stop then state that, or if you want both mail and calls to stop then state that. Keep your proof of service for your records.

If the agency violates your "cease and desist" order, then they can be fined by the Federal Trade Commission. Their website is http://www.ftc.gov/. They govern Third Party Collection Agencies. You can also file a complaint with the Attorney Generals Office for your state.

You may be able to file a civil suit against the agency. There are several attorneys that specialize in FDCPA violations. Example: http://www.krohnandmoss.com/.

Please post any questions you may have.