How can I stop a debt collector from calling me?

In the state of Texas, consumers have certain rights when it comes to collection defense law. If you are being harassed by a debt collector, there are a few steps you can take to stop them from calling you. The first step to take is to contact the debt collector in writing and remind them of the Fair Debt Collection Practices Act (FDCPA). This act states that debt collectors cannot call you at an unreasonable time or place, nor can they use abusive language. The FDCPA also gives you the right to send a “cease and desist” notice, telling the debt collector to stop calling you. You must include in the letter your name, the amount of debt being collected, and the name of the creditor. You can also file a complaint with the Consumer Financial Protection Bureau (CFPB). The CFPB investigates consumer complaints and enforces fair lending practices. You can call or fill out an online complaint form. You can also hire an attorney to handle the matter for you. An attorney will be able to review your case and advise you on the best course of action. Your attorney might also be able to negotiate with the debt collector if the debt is disputed or if the debt collector is not abiding by the FDCPA. If a debt collector is calling you, it is important to take immediate action to stop them from calling you. By understanding your rights and filing a complaint or hiring an attorney, you can protect yourself from being harassed by debt collectors in Texas.

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How can I stop a debt collector from calling me?

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