How can I stop a creditor from calling me?

In South Carolina, consumer debt defense law provides protection for consumers from harassing creditors. The law sets out rules and regulations for creditors that ensure debtors are treated fairly and respectfully. The first step to stop a creditor from calling you is to send them a “cease and desist letter.” This letter is typically a written communication that informs the creditor that they are no longer permitted to contact you. You can usually find a template of this letter online, or contact a consumer law attorney for help creating one. If the creditor continues to call you after you have sent a cease and desist letter, you can file a complaint with the Consumer Protection Division of the South Carolina Attorney General’s office. When filing a complaint, make sure to include all of the details of the creditor’s harassment, such as the date and time of the calls, and any other identifying information. Finally, if the calls continue, you may be able to file a lawsuit against the creditor for violating consumer debt defense laws. However, you should consult a qualified consumer law attorney prior to doing so, as legal action can be costly and time-consuming. Your best bet to stop a creditor from calling you is to contact an attorney who specializes in consumer debt defense law. They will be able to advise you on the best way to proceed in your particular situation and help ensure that your rights are protected.

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