How to Stop Debt Collection Calls and Letters
- 1). Speak to the debt collection agency at least once before resorting to writing the letter to see if you can resolve the issue over the telephone. Write the letter asking the creditor to stop contacting you if an agreement is impossible to reach over the telephone first.
- 2). Include your name and address at the top of the letter followed by the debt collection company name and address. Begin the letter with a specific salutation such as "Dear Mr./Ms. (debt collector's name)" or a general salutation, such as "To Whom It May Concern."
- 3). State the purpose of the letter in clear, concise language: "I am writing to you in response to your persistent telephone calls and letters," for example, in the first paragraph.
- 4). State the action you want taken in the second paragraph, for instance: "I demand you cease all contact with me at all locations including my home and workplace."
- 5). State any contact exceptions you might have in the next paragraph, such as to inform you about specific legal action or remedy efforts.
- 6). In the final paragraph, inform the debt collector that you plan to record all future contact in detail, and that you will pursue available legal action if any contact violates the FDCPA. End the letter with your signature above your printed name.
- 7). Make a photocopy of your signed letter and keep the copy for your own records. Send the original copy of the letter via certified mail and request a "return receipt," so you'll receive notice when the debt collector gets the letter.
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