Under the Fair Debt Collection law, you can send collection agencies a cease and desist letter which invites them to sue you, and they must stop making other collection efforts once they receive that letter.Sending a creditor a cease and desist letter doesn't have to include your written invitation to sue you, if that's what you meant. Creditors tend to be fairly hesitant to sue. They gain much higher interest rates and late payment penalties in doing so. You can stop many of the phone calls with a cease and desist letter, advising them to only contact you by mail. They can and probably will still call you at home, but not at work. Keep a record of date, time, person and creditor information on any call made to you at or while you are working. If you don't owe the debt, keep a record of all calls. Written documentation is better than telephone calls, and may well help support harassing phone calls, especially if you don't owe the debt. If you owe the debt, filing bankruptcy will stop the calls. If you don't owe the debt, filing a suit, with adequate documentation, for undue harassment will stop the calls and, likely, result in a judgment in your favor.
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