How do I stop debt collectors from calling?

If you are in South Carolina, the federal Fair Debt Collection Practices Act (FDCPA) applies to debt collectors. This law protects consumers from being contacted or harassed by debt collectors. It also requires debt collectors to provide certain information to you when they contact you. The first step to stop debt collectors from calling is to write a cease and desist letter. This is a letter you can send to debt collectors telling them to stop contacting you. Be sure to include your full name, address, and account number in the letter. You should also include a statement that you want them to stop contacting you, and that you are notifying them of your rights under the FDCPA. Once the debt collector receives your letter, they are legally obligated to stop contacting you. If the debt collector continues to contact you after you have sent the cease and desist letter, you can file a complaint with the Federal Trade Commission or your state Attorney General’s office. You can also talk to an attorney who specializes in Consumer Protection Law to discuss your options. In South Carolina, the Credit Card Dispute Resolution Law provides additional protection for consumers. This law gives you the right to dispute certain information on your credit report. If the consumer can prove the information is inaccurate, the creditor must remove the disputed item from your credit report. It is important to remember that it is illegal for debt collectors to make false or misleading statements about your debt in order to collect payment.

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How do I stop debt collectors from calling?

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