How do I stop a debt collector from calling me?

In California, the Consumer Debt Defense Law provides protections for consumers dealing with debt collectors. To stop a debt collector from calling you, you can request that the collector cease all contact with you in writing. Under the law, once a debt collector receives your written request they must cease all contact with you unless they are informing you of a lawsuit against you or are providing other information related to the debt. You can also contact the collector in writing and send them a ‘validation letter’. This letter requests that the debt collector sends you proof that you owe the debt. If the creditor does not send such proof within 30 days, then by law the creditor must cease communication with you. If you are still receiving calls, you may contact the California Attorney General’s office and file a complaint about the collector. The AG’s office will investigate the complaint and may take action against the collector if they have violated the law. Additionally, you may be able to reach a settlement with the debt collector. You can contact your local Better Business Bureau or a consumer debt counseling agency who may be able to help you negotiate a settlement with the debt collector that is more favorable to you. Overall, by requesting contact cease in writing, sending a validation letter, filing a complaint with the AG’s office, and/or negotiating a settlement, you can stop a debt collector from calling you in California.

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