No. of Recommendations: 0
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.
Print the post  


UGC Disclosure Notice Regarding Credit Card Posts
Community board discussions about credit cards are not provided or commissioned by banks who may have advertising relationships with The Motley Fool. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
TMF Credit Center
The Motley Fool Credit Center arms you with real tools and simple messages, that will help you in every credit situation.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.