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The Fair Debt Collection Practices Act (FDCPA) gives debtors the right to stop collection agencies from contacting them. You need only write a letter to the collection agency telling them to stop contacting you. Once the collection agency receives your letter, they can only contact you to tell you they are taking some specific action. If a collection agency continues to contact you, consult an attorney. You may be able to sue them in state or federal court and/or file a complaint with your state's attorney general office or the Federal Trade Commission (FTC). Nonetheless, even if a collection agency stops contacting you, the debt continues to exist and you can still be sued for non-payment.

The Fair Debt Collection Practices Act only applies to collection agencies, which are in the business of collecting debt. The Act does not apply to the original creditor who may have an in-house collection department. The original creditor can continue to contact you.

If you are receiving calls from the original creditor, you might consider changing your telephone number to an unlisted number. You could also contact your telephone company and ask them to block: 1) calls from toll-free numbers and 2) all computer generated calls.

World Venture Consulting
http://www.worldventureonline.com

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