Debt collectors call at the most inconvenient times, it seems. Or, they seem to call incessantly. Sometimes the person on the other end of the call is less than polite. All you want is to make the calls stop. You can do that.
Debt collectors (companies collecting debt owed to another or collecting debt they have purchased from the original creditor) must stop contacting you if you tell them to stop. Do this in writing via a letter in which you inform the debt collector to cease and desist in contacting you about the debt. If they contact you afterwards, then they have violated the Fair Debt Collection Practices Act (FDCPA), and you can sue them for the violation.
This strategy is best applied when a debt collector is trying to collect on a time-barred debt (one that is so old the statute of limitations has expired and you can't be sued on it). If you tell the debt collector to stop contacting you about a debt that is not time-barred, you can still be sued on the debt, but the calls will stop.
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