How To Stop Debt collection calls from Calling?

1. How To Stop Debt collection calls from Calling? Are you on the receiving end of debt collection calls? If so, it is a very difficult situation for sure. But if you are aware of consumer rights, you know how to stop collection calls and how to deal with debt collectors in your country. There is the Fair Debt Collection Practices Act (FDCPA) that protects consumers from such debt collection tactics that harass a consumer. The FDCPA prohibits constant phone calls that harass or annoy a person on the phone. It even offers you certain ways to stop such unwanted debt collector calls at work and at home. Here are some noteworthy tips to keep in mind to stop debt collector calls: 1. Take Notes

2. First, you need to take notes when a bill collector contacts you. Whether you prefer paper and pen, screenshots, or spreadsheets, having proof is important when disputing charges. Some notes and questions to consider while keeping a track are: l The name of a person calling you l When they called l What agency do they represent l Any requests or threats made l What you discuss l A mailing address for sending written correspondence This step is crucial to help you protect your legal rights. 2. Never Admit You Owe Any Debt

3. Another important step to consider when you want to stop collection calls is that never admit or confirm any information without debt validation. Before you take any steps, ask a debt collector to send a document for the debt. Collection companies often make mistakes. So, it’s vital to confirm the debt amount to ensure whether it belongs to you or not. The only way to do so is through writing. Mostly delinquent debts get expired after 7 years of a credit report. But sometimes collectors try to get you to repay the debts even older than that. However, they cannot use negative credit reporting for collection. 3. Request a Letter for Debt Validation The best way to find out whether or not you owe debt collectors is to ask for a debt validation letter. It may include the original debt amount and some extra fees that the collection agency adds to it. When a debt collector contacts you, they have to follow up with a written letter follow up about the debt collection. If the debt collectors don’t respond to you with a proper validation letter within 5 days of contacting you, you can send them a verification letter request within 30 days. The validation will protect you from debt collectors or stop collection calls that are illegally re-aging a debt. It also protects you from a debt that’s

4. more than the actual amount or changing the amount you owe by adding up some extra fees. 4. Stop Collection Calls by Keeping Conversations Professional The way you handle a collection agency calls is also vital as confirming you owe a debt. Just like any legal or financial proceedings, you need to keep your conversations very professional and impersonal. It will protect you legally and emotionally. Never let a collector drive the collection conversation to an emotional state. If they start threatening or accusing you, simply shut down the conversation right away. And, tell them that you are aware of the rights under the FDCPA and you won’t tolerate any such abuse. 5. Never Provide Any Personal or Financial Information When Aiming to Stop Collection Calls Debt collectors often want you to know more about your finances. But you must never disclose any such thing until you get a validation of your debt. It

5. will protect you from assuming any responsibility even before finding out whether or not the debt is legally yours. However, even after receiving a validation letter, if you still feel you don’t own the debt, you need to speak up. What to do to stop collection calls? When aiming to stop collection calls, it’s vital to know the options and work to get rid of debt as soon as possible. When you get a debt collection call, you can even consult an FDCPA attorney to guide you about taking the right steps. For professional and legal help for FDCPA-related cases contact Your Legal Rights Advocates. We are here you help you protect your rights against fraud or illegal debt collection tactics. To Know More Visit: www.yourlegalrightsadvocates.com