If your phone is constantly ringing with calls from angry creditors and collection agencies, you don’t have to resolve never to answer it again.
At Castle Law Office, we work with clients all the time who want to put a stop to this kind of harassment. Fortunately, there are a couple of ways to end inconvenient collection calls.
First, you may write a cease and desist letter to each of your creditors.
You should make sure to include your contact information and account details, along with instructions about when, where, and how the creditor should contact you. If you don't want them to call you at home, for example, you should offer them an alternative way to reach you.
When sending your letter, you'll want to get a return receipt from the creditor to keep as proof that they got your letter, so send it certified mail.
Should creditors continue to call after that, keep a log of the date and time of each call, and write down which creditor is contacting you. Under the Fair Debt Collection Practices Act, creditors are not allowed to call you repeatedly with the aim of harassing you or annoying your family. They're also not allowed to continue to call after you've instructed them in writing not to do so.
If you're in over your head and the debt is piling up, it may be time to consult an attorney. Once you've hired a bankruptcy attorney, creditors may no longer contact you, your friends or your family. All further communications regarding your debt must be directed to your attorney.
Finally, don’t discount bankruptcy as a means to end collection calls. As soon as you file for bankruptcy, creditors must cease all communications and attempts to collect debts. Give us a call today at 816-842-6200, or email us to schedule your free consultation.