How to Stop Ongoing Harassment From a Collection Agency

>contact you under any circumstances the
Discover how to quickly and effectively stoprecipient must abide by your request. By law, as
constant phone calls, letters and ongoingsoon as they receive your certified written notice
harassment by persistent creditors, debtthen legally they can't call or mail you anything
collectors and collection agencies without muchuntil they file suit against you and they must take
effort, time and money...you to court.
It isn't enough to just sit back and take ongoingAnd you must be first served with a summons
harassment from collection agencies and debtbefore they can make any attempt to contact
collectors. You can take simple steps providedyou. In most cases, the majority never go to
under federal law and stop ongoing harassment...court, only a small number will take this action
CONSUMER RIGHTS UNDER FEDERAL LAWright through to court.
The United States Associated Press reports anPut the law to good use, and you can quickly and
ongoing epidemic of bill collectors ignoring the Faireffectively STOP constant phone calls, letters and
Debt Collection Practices Act and harassing theirongoing harassment by persistent creditors, debt
clients. In 2008 over 71,000 people filedcollectors and collection agencies without it costing
harassment and abuse charges with the Federalyou much effort, time and money. In accord with
Trade Commission (FTC).  And an additionalfederal law (public laws 95-109 and 99-361), a
24,000 complained to the Better Business Bureaucollection agency MUST stop contacting you after
office in their State. The complaint rate has quadthey receive a letter clearly telling them
duple in the past three years and will only getdiscontinue contacting you.
worse due to the present economic downturn inTHE LAW LENDS A HELPING HAND
the world together with the inability of a greaterThe federal Fair Debt Collection Practices Act
number of individuals who genuinely cannot payprovides the consumer with a legal avenue to
their bills.prevent collection agencies from continual
What Steps Can You Take To Stop Harassmentharassment. So if you wish to avail yourself of
From a Collection Agency?the law in this matter, this is what you should
Here is the very first thing you MUST do. Fire thestate in your written letter and notice.
Agency! Send them a Certified return receiptThe contents of the letter should essentially say:
letter using one of the legal forms "Cease andYou are hereby notified in writing under the
Desist". Although there’s a catch, you mustprovision of public laws 95-109 and 99-361, also
put this into action within (30) days. This ofknown as the Fair Debt Collection Practices act,
course, is after they send you a written letterthat your company services are NO longer
making you aware that you owe them moneyrequired.
and in detail exactly to whom you owe theYou are to immediately CEASE & DESIST all
money to.efforts and attempts to collect money owing. I
For instance, this is the case in the State ofWe will not recognize any collection agency and
Colorado, if you send a “certified writtenwill communicate ONLY with the original finance
letter” stating emphatically “NOT” tocreditor (state name of financial institution).