Are you tired of getting harassed by debt collectors? It can be downright maddening to have your phone ringing throughout the day with creditors asking for money. Not only is this annoying, but it’s also a huge distraction that takes away from other parts of your life and causes stress and anxiety. Thankfully, there are legal ways that you can get debt collectors to stop calling you. At Credit Fitness Financial Group, we want to help individuals struggling with relentless debt collection calls find relief so they can focus on their financial goals. Read on to learn the step-by-step process of stopping debt collection calls legally.
If you are struggling with debt, you may have noticed an increase in annoying calls from debt collectors. You may be feeling overwhelmed and unsure of how to handle these calls. Fortunately, there are legal steps you can take to stop these calls – for good. Here’s what you need to know about stopping debt collection calls legally. You can read other articles on how to stop debt collections calls legally by reading more.
Know and Understand Your Rights
Debt collectors must abide by the Fair Debt Collection Practices Act (FDCPA). This act stipulates that debt collectors cannot call before 8 a.m. or after 9 p.m., nor can they contact you at work if you have asked them not to do so. They also cannot threaten or harass you in any way, nor can they contact your friends, family members, or employers unless it is necessary and relevant to the situation at hand.
Write a Cease & Desist Letter or Clearly Communicate to them to Cease
If the debt collector is not following the FDCPA guidelines or is otherwise harassing or threatening you, then the best way to protect yourself is by writing a cease and desist letter which states that all communication should cease immediately. Once this letter has been sent, the debt collector should no longer contact you directly—they can only communicate through mail or email from that point on. It is important to note, however, that this does not mean that they have stopped trying to collect the debt; it just means they are no longer allowed to call or harass you while doing so.
Negotiate with Creditors
If possible and necessary, it is often wise to negotiate with creditors in order to pay off your debts as quickly as possible—and often at a lower rate than originally expected. Credit Fitness Financial Group offers free advice on how best to approach negotiations with creditors so that both parties come out happy in the end. The team at Credit Fitness Financial Group can also help individuals set up payment plans that fit their budget and lifestyle while still paying off their debts in a timely manner.
Navigating debt collection calls can be stressful and overwhelming for those struggling with financial issues – but it doesn’t have to be! By understanding your rights under the FDCPA laws, writing a cease & desist letter when appropriate, and negotiating with creditors when needed, anyone can put an end to annoying debt collection calls legally and effectively – freeing up time and energy for more important things! Contact Credit Fitness Financial Group today for more information on how best to stop annoying debt collection calls legally so you can get back on track financially!