The best way to get a debt collector off your back is to simply pay off the debt as quickly as possible, by negotiating to get your debt reduced, or setting up a payment plan. But for most people with debts in the collection process, this is not easy to do.
The Law is Simple: Write a Letter
The law requires you to write a letter to the collector telling them to stop calling you or that you are refusing to pay the debt. Be sure to send it certified mail, requesting a signature for receipt. You cannot make this request via FAX, email, or telephone. It must be done in a written letter.
Once a debt collector receives your letter, they can only contact you to:
- Acknowledge receipt of your request letter; or
- To advise you of specific legal action they plan to take against you to collect the debt.
If you continue to receive calls, you can take further steps to stop a creditor from harassing you, or you may even be able to sue a debt collector.
