How can I stop collection agent harassment?
I want to pay back the creditor I owe the money to, not some lousy rip-off collection agency.
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Comments (2)
You can stop a debt collector from contacting you by writing a letter to the collector called a “Collection Agency Cease and Desist Letter”. Once the collector receives your letter, they may not contact you again except to say there will be no further contact or to notify you that the debt collector or the creditor intends to take some specific action. The debt will likely be sent back to the original creditor and/or re-sold to another collection agency, at which point you send a new Cease and Desist letter to the new collector.
If anyone ever says they will sue you is full of it. They know that you are in the poor house to begin with, why would they ever bother to spend a ton of legal fees to sue someone who is on the verge of bankruptcy?
There is also a statute of limitations on debt collections, which varies from state to state. There is a listing of all state statutes and a sample Cease and Desist letter on the following website:
http://stopcollections.blogspot.com
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Once your creditor writes off the debt and sells it to a collection agency, the collection agency is unfortunately entitled to any payments that you might make on the debt. By paying the original creditor in such a case, you could be throwing money away as the collection agency could justifiably keep up collection activity as it owns the debt at this point.