Q&A: How do I stop debt collectors from contacting me?
Being contacted by a debt collector can be scary and intimidating. It is important to know what a debt collector can and cannot do and your rights as a consumer.
A debt collector may contact you in person, by mail, telephone, telegram, or fax. However, they may not contact you before 8 a.m. or after 9 p.m. unless you agree. A debt collector also may not contact you at work if you’ve asked them not to.
There are certain circumstances where a debt collector may contact someone else about your debt.
For instance, if you have an attorney, the debt collector must contact the attorney, rather than you. A debt collector may contact other people only to find out your address, your phone number, and where you work. They are usually prohibited from contacting such third parties more than once.
Generally, the most effective method for getting a debt collector to stop contacting you is to request in writing. Once the debt collector receives your letter, they may not contact you again except to say that there will be no further contact or to notify you that the debt collector or the creditor intends to take some specific action. However, it is important to note that asking a debt collector to cease contact does not make the debt go away! If you take no further action regarding the debt, it could result in legal action. This may include lawsuits or wage garnishment. Therefore, if a debt collector contacts you, it is important to take action right away, regardless of whether or not that includes asking them to stop contacting you. You may either pay the debt in full, negotiate a payment plan, or try to settle the debt for less.
If you believe a debt collector is contacting you in error, you may submit a written request for proof of validity of the debt. Once you receive the required information, you have 30 days to dispute the debt. Once you dispute the debt, the debt collector may not contact you to collect the debt until they have provided verification of the debt in writing to you. It is best to always make the dispute in writing and keep any documentation of such communications.
If you are unsure of how to handle debt collectors, consider speaking with an attorney that specializes in debt resolution. They’ll be able to assess your situation and make recommendations for the best course of action in your case. Call Tayne Law Group at 866-890-7337 today for a free, no obligation phone consultation!