How to Stop Creditor Harassment in Writing

Creditors are often relentless in their debt collection efforts. They may telephone you several times a day, leave threatening voice message and send countless correspondences. Paying a debt is the best way to get them off your back. But if you don't owe a particular debt, or if you simply want the harassment to stop, writing a letter can produce results. According to the Fair Debt Collections Practices Act, bill collectors must stop calling upon your request.

Instructions

1

Get the name and address of the creditor. Keep copies of correspondences sent from creditors, bill collections or attorneys. You'll need this information to draft a letter to the creditor asking them to stop calling you.

2

Write a letter to the creditor or bill collector. If a debt isn't legitimate, write the creditor or collection agency and ask them to provide documentation verifying that you owe the debt within 30 days. If unable to provide this information, they must cease harassment and collection attempts.

3

Ask collection agencies and attorneys to stop calling you. In your letter, include a sentencing asking the collector or attorney to stop phoning you at home and work. Mention the Fair Debt Collections Practices Act, and remind them that they're required by law to stop phoning upon your request.

4

Include copies of cancelled checks. If you've paid a debt, include a copy of the check in your letter to stop harassment.

5

Mail a certified letter. Take your letter to the postal office and send it as certified mail. The postal service guarantees that the collection agency or creditor will receive the letter, and you'll receive a mail receipt upon delivery.