How to stop harassment by collection agency

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You can legally stop all the harassing phone calls from the collection agencies. You can send a cease and desist letter via certified mail to a collection agency and request them to stop contacting you.

However, make sure you have a copy of this letter for future reference. Once the collection agency receives this letter, they are required to stop communicating with you under the FDCPA law. They can only inform you about the actions that will be taken against you.

They can mail them a Cease & Desist letter (Certified Mail, Return Receipt).

Sub: #61 posted on Mon, 07/27/2009 - 21:11

Chrys Henderson Chrys Henderson

(Posts: 2532 | Credits: 173.73)

is there anyway of saving my credit even after i send these cnd letters out

Sub: #62 posted on Tue, 08/04/2009 - 08:09


Hello - recently, I have been getting collection calls from this company? Does anyone know of them and waht I can do to stop?

Sub: #63 posted on Wed, 08/12/2009 - 17:51



While I hate to say it, the only way to "save your credit" is to pay off your bills.

Talk to them. Confirm your mailing address and NOTHING ELSE. Wait for the dunning letter, it is required by law for them to send it to you within 5 days. Then, if you feel the debt isn't yours, then dispute it (the procedure will be on the letter).

Sub: #64 posted on Wed, 08/12/2009 - 21:10

Chrys Henderson Chrys Henderson

(Posts: 2532 | Credits: 173.73)

I am getting calls for a person who previously had my phone number, (I've had it for 6 years) and that collection agencies state that I'm related to and they are looking for them. I don't know and am not related to these people. How do I make them stop calling?

Sub: #65 posted on Thu, 08/13/2009 - 16:30


Send them a Cease & Desist letter. Certified Mail, Return Receipt Requested.

Sub: #66 posted on Thu, 08/13/2009 - 23:39

Chrys Henderson Chrys Henderson

(Posts: 2532 | Credits: 173.73)

Do you have a template for harassing telephone calls for an individual that doesn't live at your number, you don't know and have never heard of? Possibly they had your number three years ago before you. It is impossible to speak to anyone about this when they call as it is automated.

Sub: #67 posted on Sat, 08/15/2009 - 08:39


Afriend of mine tried ceasing a CA since it was not her debt and she was told that a C&D doesnt apply to third parites due to the wording of the FDCPA. The wording of that section does seem to imply consumer owing the debt

Sub: #68 posted on Sat, 08/15/2009 - 09:17

Moderators Cum Industry Expert
(Posts: 17205 | Credits: 4745.71)

If they don't honor the C&D letter, then don't even talk to them. I have had this happen when they called for someone with my name, but a different middle initial. I just started telling them they had the wrong person and hung up. They stopped calling quickly enough.

Sub: #69 posted on Sun, 08/16/2009 - 05:48

southernapostolic southernapostolic

(Posts: 302 | Credits: 25)

Should I wait for an unsecured credit card debt to go to collection before negotiating a payment plan?

Sub: #70 posted on Sun, 08/16/2009 - 08:34


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