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How to Get a Debt Collector or Creditor to Stop Calling You at Home and Work
Do you jump every time the phone rings? Have you been embarrassed at work because a debt collector keeps phoning you? If so, then there is a simple way to get debt collectors and creditors to stop calling you.
Congress enacted federal legislation that regulates debt collectors and collection attorneys and protects the rights of debtors. This law, The Fair Debt Collection Practices Act, requires that debt collectors and attorneys stop phoning you at home and at work once you ask them to stop. You should tell them to stop calling you at home and at work the next time they call.
If the debt collector refuses to comply with your do not call request you will have to quote the actual law:
Collector: No, Mrs. Doe. We will continue to call you until you pay this debt!
You: The Fair Debt Collection Practices Act requires that you stop phoning me at home and at work once I request that you do so. I intend to send you a certified letter tomorrow putting my no contact request in writing. If you continue to phone me, then I will file a complaint with the FTC and the attorney general."
If the original creditor refuses to comply with your do not call request:
The Fair Debt Collection Practices Act does not apply to original creditors, like a credit card company; it only applies to debt collection agencies and attorneys collecting debt. Therefore, do not quote the FDCPA to get original creditors to stop calling. Instead, quote state law which governs original creditors but usually has similar provisions to the federal legislation.
Note: Collectors do have the right to call you after you request them to stop phoning you if the status of your account changes. They can call you to tell you they are (1) giving up collection efforts; (2) are turning your account over to an attorney; or (3) are going to sue you. But usually, they won't call you again after you request that they don't. If a debt collector does contact you after you request that he stop, you might have the right to sue and collect damages.
Stop the callers with blocked numbers.
Anonymous Call Rejection (ACR) is a service that rejects incoming calls from anonymous callers. Anonymous Call Rejection will automatically stop all incoming calls from callers who have their numbers blocked. onymous Call Rejection Rejects incoming calls from anonymous callers.
How does it work?Callers with blocked numbers will hear a message stating that the party they are calling does not accept anonymous calls.
What will it do for me?
- Don't Talk to Strangers - Reject the calls even before they reach your phone. Speak to only those who will share their number.
- On or Off - The service allows the flexibility to turn Anonymous Call Rejection on or off by dialing a code. It's your call, you can choose.
Anonymous Call Rejection may not be available in all areas. The service is available with or without Caller ID.