Debt collectors. They are rude, intimidating and ruthless, threatening lawsuits, wage garnishments and seizures of bank accounts. They call day and night, every day and every night. And they often break the law, specifically a set of laws called the Fair Debt Collection Practices Act (FDCPA). I could tell you about all the actions you could take if they violate the law, but I suspect you don’t have the time or energy for that. What you really want to know is how you can stop them from calling.
The best way is to merely write them a letter. But not just any letter – a cease and desist letter. Under the FDCPA, collection agents must stop calling you once they receive this letter. There are several templates you can find online – just google “collection agent cease and desist letter”.
Unfortunately, many collectors will ignore the law and continue calling anyway. What should you do then?
Contact an attorney. Once you are represented, they cannot call you. If they do, lawyers can sue them and get money if the violations are bad enough.
Ultimately though, this only delays the inevitable – some of these companies will sue you and then seize bank accounts and garnish wages. In order to prevent this kind of financial catastrophe, it is essential that you contact a lawyer before you have been sued. If you feel you are about to be sued, or even worse – have already been sued, contact me immediately for a free no obligation consultation to learn what your options are.
I have helped thousands of people over the last 25 years to get a fresh financial start and I expect I can help you as well.
Finally, as you know, the Covid crisis has created a financial crisis for many local people. As a result, soon all of the qualified lawyers in town are going to be very busy and may not have time to help everyone they want to help, so if you know you’re in trouble I urge you to talk to someone as soon as you can.
Thanks and have a great day.