How do I stop debt collectors from calling?

If you live in Rhode Island and are being contacted by a debt collector, you have rights under the federal Fair Debt Collection Practices Act (FDCPA). This law is enforced by the Consumer Financial Protection Bureau and applies to all debt collectors operating in Rhode Island. It provides protections to borrowers, including the right to stop debt collectors from calling. The FDCPA allows you to send a letter to the debt collector requesting that they stop calling you. This is known as a “cease and desist letter” and should be sent via certified mail so you can keep a record of the request. Once the debt collector receives the letter, they must immediately stop contacting you. If the debt collector continues to call despite your cease and desist letter, you may be able to file a complaint with the Consumer Financial Protection Bureau. They can contact the debt collector to demand that they stop calling and even impose penalties on them for violations of the FDCPA. You may also be able to dispute the debt or request a settlement offer from the debt collector. This can be done through the process of credit card dispute resolution, which can allow you to reduce your debt or eliminate it altogether. In conclusion, if you are being contacted by a debt collector in Rhode Island, you can take steps to protect yourself under the FDCPA. You can send a cease and desist letter, file a complaint with the Consumer Financial Protection Bureau, or dispute the debt in a process known as credit card dispute resolution.

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How do I stop debt collectors from calling?

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