How can I stop a collector from calling me?
There are a variety of credit repair tools available to stop collectors from calling you.
Here is a general admonition that we offer to all of our credit repair clients who receive telephone contact from collectors: If you are contacted by a collector via telephone you should inform them, politely but firmly, that you do not discuss your personal financial business over the telephone. Let the collector know that if they send you something in writing you will be happy to review it. The collector will probably try to keep you on the phone, so be prepared. Be firm, stand your ground, and get off the phone. Once you receive a notice of the collection in the mail you can validate the debt if you have any doubts about it.
No Business Hours Calls
There is another useful credit repair tool that you can employ to stop collectors that are calling you during business hours. Per the Fair Debt Collection Practices Act if you inform a collector that your employer does not approve of you taking such calls at work, they must stop calling you during business hours.
The Fair Debt Collection Practices Act also offers a powerful remedy against bothersome collection calls. You have the right to send a Cease Communication letter to the collector asking them to stop all contact with you. You must be very cautious about using this credit repair technique as it may spur the collector to initiate a lawsuit.
Attorney to the Rescue
Lastly, if you have the means to hire an attorney to manage your collection issues all you need to do is mention your attorney to the collector and they must stop all communication with you and deal directly with your attorney.