You have the right under Fair Debt Collection Practices Act [15 U.S.C. 1692c] to require a debt collector to:

• Stop phone calls to you at home

• Stop phone calls to you at work

• Stop sending collection letters, threats and bills

It's free (except for postage) and easy to stop the debt collectors! All you have to do is to write the debt collector. Once the debt collector receives the letter, he cannot legally contact you except to notify you that the collector's efforts are being terminated, or to give notice of specific remedies that can or will be invoked.

We will even compose the letter to stop the debt collector for you. Just click on the box below.

This letter has two major limitations:

First, it applies only to debt collectors  as defined by the § 803 of the act. That section of the act defines a "debt collector" as someone in the business of collecting debts owed to another. This means that if a creditor is collecting its own debt, it is not required to stop contacting you.

Second, it does not solve the underlying debt problem. The creditor (not the debt collector) will still be able to contact you to demand payment. The creditor or the debt collector can use legal remedies, such as law suits, judgments, garnishment and repossession, to collect the debt.

To see how creditors can be stopped permanently, click on the box or pictures below.