The Easiest Way to Stop Bill Collectors Calls Is Hidden In This Little Known Federal Law

The Easiest Way to Stop Bill Collectors Calls
Is Hidden In This Little Known Federal Law

If you have ever received or are currently receiving calls from debt collectors, then you know how stressful and contentious those calls can be. I once did a survey to find out if those calls actually served a purpose. Out of 2200 respondents, close to eighty-five percent said the calls caused or brought on sleepless nights, anxiety, fear and depression. If you want to stop those calls then keep reading…

What Do I Need To Know To Stop Bill Collectors Calls Legally?
A wise man once said, “Knowledge is power.” To stop bill collectors calls, you need to be knowledgeable about the (FDCPA) Fair Debt Collection Practices Act and about your State Laws. Although for this particular session we are only going to focus on the section that empowers us to stop bill collectors calls, you will still need to read the entire FDCPA. And you still need to learn your State Laws related to debt collection. You would be amazed at how often debt collectors violate these laws.

How Do Bill Collectors Get Away With Harassing Consumers?
Moreover, you would be surprised at the reason why they are able to shrug the laws. The main reason is due to the fact that most consumers are in the dark when it comes to their rights. To stop bill collectors calls you don’t need to be an attorney or a rocket scientist, you just need to have a burning desire to end your debt problem and the ability to follow instructions.

Remember The Main Question, "Is there any way to stop bill collectors calls?"
The answer is, “Yes” according to section 805 of the Fair Debt Collection Practices Act. Here is the actual law…

"(c) CEASING COMMUNICATION. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except --
(1) to advise the consumer that the debt collector's further efforts are being terminated;
(2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or
(3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt."

What You Read Is Not a Misprint!
As you can see this law will instantly stop bill collectors calls. Now that you’ve read this portion of the Fair Debt Collection Practices Act, you should have gleaned two crucial points:

Number #1 - Once you ORDER a debt collector in writing not to communicate with you, that agency is legally bound to comply. If not, you can sue them. The letter you want to send is called a Debt Collection Cease and Desist Letter. It puts an immediate stop to bill collectors calls and letters, Remember, this is not a REQUEST; this is a LEGAL and BINDING, OFFICIAL Cease and Desist ORDER that every court in America will stand behind!

Number #2 - The only contact permissible by LAW after receipt of the Cease and Desist Order is to notify the debtor of specific "remedies," such as legal action. However, most debt collectors won't bother suing. They may return the debt back to the original creditor or sell/transfer the debt to another debt collection agency.

The most important thing while stopping the debt collection calls is to put together a get out of debt plan that will erase your debt once and for all.

Joel Marks has been helping people get out of debt and avoid both bankruptcy and foreclosure for over fifteen years. Utilizing savvy debt counseling, debt management programs, Federal laws and a team of attorneys, debt counselors and advisors, he has quietly assisted thousands come from under the heavy burden debt.

For more information on this topic or any other issue related to getting out of debt, living debt free, debt management, debt relief, the Fair Debt Collection Practices Act and stopping debt collectors in their tracks, please visit www.DebtErasure.com

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