Getting calls from debt collectors can be quite annoying, and it is a difficult process to get them to stop. However, by knowing your rights as well as the authority and limitations of debt collectors, you can stop debt collectors to stop hounding you every single day.
Validate the debt
If someone calls you about a certain debt that you are unsure of, you can ask to have them verify if it is truly yours, or if it is an oversight on their part. Some calls are often unnecessary, especially if you have paid already and their systems have not yet reflected the update.
Note the time and frequency of calls
Debt collectors can only call you after 8 in the morning and before 9 in the evening. Also, they cannot call you during times that you have stated are inconvenient for you. If a debt collector violates this repeatedly, then you may be able to file a complaint towards them, as they are violating your rights under the Fair Debt Collection Practices Act or FDCPA.
Ask to communicate in writing
Communication in writing is a good strategy debt collectors from calling you, and this is also a good way to be able to plan out your response, as physical mail may take a few days to be received and sent back. Also, written communication will provide you with documented proof if they are in violation of any of your rights, although it may also work against your favor if you are the one found to be breaking the law.
Send a cease and desist letter
If all else fails, have a lawyer draft a cease and desist letter that will stop debt collectors from calling. However, please take note that this would not stop the original lender from trying to communicate with you as well, whether via phone calls or through written communications.
The Fair Trade Collection Practices Act protect those with debt from being harassed by debt collectors. By knowing your rights, you will no longer be inconvenienced by repeated calls that may hinder your personal or professional life. By knowing your rights, you are also protecting yourself from people who would abuse their authority over you.
Read through the FTCPA or consult with a lawyer on how you ca stop debt collectors from calling you. Report any violation of your rights to the respective organizations and take legal action if deemed necessary.