How do I stop debt collectors from calling?

If you live in Washington, debt collectors cannot call you at any time or place that is inconvenient for you. The first step to stop debt collectors from calling is to send a written request to the debt collector telling them to stop contacting you. Make sure to include your full name, address, and account information. Once the debt collector receives your written request, they must stop all communication with you other than to tell you they are complying with your request. Once you have sent your written request, debt collectors are prohibited from calling you except in certain circumstances. For example, they may contact you to confirm that they received your letter, advise you that they are no longer attempting to collect the debt, or inform you of potential for legal action. You can also contact the Federal Trade Commission to file a complaint about debt collectors. The FTC enforces laws that protect you from debt collectors’ unfair or illegal practices, including calling you after you have requested that they stop. Additionally, you may be able to use credit card dispute resolution law in Washington to try to stop debt collectors from calling. However, this is a complex process and you may need legal help to navigate it. If you are feeling overwhelmed by debt collectors’ calls, you may want to consider seeking help from a debt relief organization or a credit counseling service. They can help you figure out a plan to pay your debt, negotiate with creditors on your behalf, and manage your credit score.

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How do I stop debt collectors from calling?

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