How do I stop a debt collector from calling me?

The best way to stop a debt collector from calling you is to tell them not to call you directly. This is called a cease and desist letter. In Washington, the Consumer Debt Defense Law requires debt collectors to stop contacting you if they receive a letter asking them to do so. The letter needs to be sent by certified mail, return receipt requested, inform the debt collector that you no longer wish to be contacted about the debt, and that you will not be making any payments on it. In addition to a cease and desist letter, you can send a written dispute of the debt. If the debt collection agency is unable to verify that the debt was actually incurred by you, then they have to stop calling and writing to you. It is important to note that while these letters may be effective in stopping the calls, they do not necessarily absolve you from the debt. The creditor may still take legal action to collect the debt in court. You should also be aware of your rights under the law. The Washington Consumer Debt Defense Law prohibits debt collectors from using abusive language, threatening violence, and engaging in other types of harassment. If a debt collector ignores your requests for them to cease contact, you may be able to take legal action against them. It is also important to note that there are time limits in which creditors can take legal action. In Washington, the statute of limitations on debt is six years. If the debt is more than six years old, then you may be able to successfully dispute the debt in court.

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How do I stop a debt collector from calling me?

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