How to Stop Collection Calls Legally (Your Rights Under the FDCPA)
If you are getting collection calls, you are not alone. Millions of Americans deal with this every year, and many do not know they have legal rights that protect them. The Fair Debt Collection Practices Act gives you powerful protections that most collectors hope you never learn about.
Your Legal Rights Under the FDCPA
Collectors must follow strict rules when contacting you. They cannot harass you, threaten you, or mislead you. They also cannot call you at work if you tell them not to, or call you outside of approved hours.
How to Make Collectors Stop Calling
- Tell them your preferred way to communicate
- Send a written request to stop contacting you
- Request written validation of the debt
- Keep records of every call
When a Collector Is Breaking the Law
You may take legal action if a collector is threatening you, calling repeatedly, or sharing your debt information with others.
Your Next Step
If your debt has reached the point where collectors are calling daily, it may be time to explore debt relief options that stop calls and help you take back control.