Did you know that there is a way to end those annoying calls and letters from collection agencies? If you don’t want a collection agency to contact you, Section 805 ( c) of the Fair Debt Collection Practices Act (FDCPA) gives you the right to ask them to stop and the agency must stop. The collection agencies still have the right to sue you for your debt, place negative marks on your credit rating, and pursue other means of satisfying the debt that collection agencies normally use. However, collecting on the debt might not be worth their time. It takes a lot of time and money to sue someone and collect the money, and if the debt is small or old, collection agencies might decide that it’s not worth it.
Even after a collection agency receives a cease and desist letter, they can still contact you 1) to inform you that they will no longer attempt to collect on the debt and 2) to respond to your inquiry. If they contact you for any other reason, they might be in violation of the FDCPA and be subject to legal penalties.
Here are some sample letters. If the calls don’t stop, it’s a good idea to contact an attorney or credit repair company to make sure that the collection agency is held accountable that that the calls end for good.