How Can I Stop Debt Collectors?

Many people ask; how can I stop debt collectors from calling me? There are a few ways you can stop debt collectors from calling you. For example, if you send a letter to a debt collector asking them to stop contacting you or calling you, then they must stop. However, the debt collectors may stop temporarily. They may be taking legal action to collect debt from you.

Should I stop debt collectors from calling me?

You should try to stop debt collectors from calling you or trying to collect debt from you if the following reasons are true.

1. You believe that the statute of limitations has expired. In this case, you should write a letter to the debt collector asking them to stop contacting you or calling you and point out the statute of limitations.

2. You really don't have any money to pay for the debt. In this case, you may want to include a succinct description of your hardship situation and why you cannot pay the debt.

3. The debt collectors are driving you to the point of creating unhealthy stress or physical side effects that can be backed up by doctors' certifications.

4. You do not believe you owe the debt and think the judge (if the case goes to court) would side with you. In this case, you should describe why you think you do not owe the debt.

By law, you can stop the debt collectors from calling you or contacting you. However, unless there is reasonably cause, the debt collectors will not stop trying to collect the debt. If they have to stop contacting you or sending you letters, then they will likely obtain a judgement against you. However, if you believe that you are in the right, don't be afraid. There are plenty of debt collectors who exercise their power you and use scare tactics to pressure you into paying. There are many laws to help you and there are many people who are in the same situation as you, having to deal with debt collectors and crying to debt collectors to stop contacting them.