There are millions of Americans out there who are living with some sort of debt. Many of these debtors at one point or another find it almost impossible to pay off all their debt they have acquired. Therefore, many will end up having to deal with a debt collections agency sooner or later in their lifetime.
Are the debt collectors harassing you night and day, trying to get you to pay up? Do they call constantly, send you threatening letters, and tell you that you need to pay, or else? Well, that is their job, but believe it or not, you are not obligated to respond, or even listen to debt collectors unless you receive actual court or legal notifications! Here are some ways in which you can turn the tables, and ignore debt collectors so that you can spend your time figuring out your problem. But do not put your problems off! They will come back to haunt you if you do not solve the problem before it’s to late!
Be aware that there is a law called the Fair Debt Collections Act that protects you from being harassed by these debt collection agencies and their unethical ways.
“If you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.”
So how do I stop these agencies from contacting me about the debt?
Well first off, it is always suggested that you speak with the collection agency at least one time to see if the matter can be resolved. Even if you do not have the funds to pay the debt off, or even feel like you do not have any debt and wonder why they would be calling, it would be a huge mistake not to listen to what they have to say. After you have figured out the reason they are calling you can now decide whether or not you want to deal with them again.
If you would like the collections agency to stop all contact, you will need to write a letter requesting that all communication is stopped. Make sure that when you send this letter off you do so by certified mail with a return receipt, this will allow you to have a clear idea of when they have received this letter. Once the collections agency has received your letter, they will no longer be allowed to contact you in regards to the debt you owe. Unless, they call to tell you that all communication will stop, or they call to inform you that they are about to take action to retrieve the debt, such as a lawsuit. Remember this will not get rid of the debt, but it will stop all the annoying phone calls you probably receive ten plus times a day.
If you want to find more ways to turn the table on these guys, or things you can do yourself to take action, I definitely suggest you go to the FTC website and make yourself very familiar with this particular law.