A debt collector keeps calling me. How do I make them stop?

Question

Accepted Answer

The Fair Debt Collection Practices Act covers third-party collectors and debt buyers. Under 15 U.S.C. § 1692c(c), if you notify a collector in writing that you refuse to pay or want it to stop contacting you, it must stop, except to confirm it is ceasing contact or to tell you about a specific action such as a lawsuit. Under the CFPB's Regulation F (12 CFR § 1006.14), a collector is presumed to be harassing you if it calls more than seven times in seven days about a debt or within seven days after a conversation. Collectors also cannot call before 8 a.m. or after 9 p.m., or at work once you say your employer prohibits it. Send the request by tracked mail and keep a copy. Violations allow actual damages plus up to $1,000 in statutory damages (§ 1692k), and complaints go to consumerfinance.gov/complaint. Original creditors are covered mainly by state laws. Generate a cease-contact letter at https://takeitdown.agentexchange.work/request/optout.

A debt collector keeps calling me. How do I make them stop?

Related