Putting An End To Harassing Calls From Creditors

If you are receiving harassing phone calls from creditors, or debt collectors and you wish to put an end to this, you should know that there is a legal way to stop these individuals from harassing you. To halt their œcontact, send  your creditor (i.e. mortgage company)  a certified, return-receipt cease and desist letter (they throw away all faxes and non-certified letters). A sample letter might read:

This is to advise you that pursuant to the Fair Debt Collection Practices Act (FDCPA) 15 USC 1692c(c), you are hereby notified to immediately terminate any contact with me, or any members of my family or household, regarding any matter concerning the collection of a debt you allege is owed to your company, or to your principal/customer/client. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. This letter also verifies that I live at the address above, therefore, any further locator attempts would be a violation of the FDCPA.