by admin /
February 12, 2021 /
Credit Reporting Errors

Stopping creditors from contacting you

There is no way to stop a creditor from calling you with the exception of two instances.  The first, and most probable, is a debt collector is contacting you.  There is federal law that regulates these collectors and it is called the Fair Debt Collection Practices Act.  So if you are receiving those repeated and harassing phone calls then you simply need to identify who the debt collector is, write them a letter identifying yourself and your phone number and tell them to stop calling you.  You need to send it via tracking so you have proof of receipt.  If they contact you after they have received the cease and desist letter then have violated the law.  You will need to hire an attorney to file suit against them if they keep calling and to get them to stop calling. Although you could also verbally tell the debt collector to stop calling the most effective way is to write the letter. Violations of this law could mean the debt collector has to pay you up to $1,000 if you hire a lawyer to sue them.
The second way to get a creditor or debt collector to stop calling you is if they are calling your cell phone from a prerecorded message, or a robocall.  There is a law that regulates these types of called the Telephone Consumer Protection Act.  Note, that these robocalls do not apply to a landline only a cell phone.  Again, identify the company calling you, write a letter to them and advise them to stop contacting you.  Once they have received the letter and continue to call you with these prerecorded messages they have violated the law.  You are entitled up to $500 per a call if you hire an attorney and file suit.