Can I stop a debt collector from contacting me?

Yes, you can stop a debt collector from contacting you in North Carolina. You have the right to tell a debt collector to no longer contact you in writing, but you must do so in a letter. You can also send the letter via email if the debt collector offered that as an option for communication. To stop all forms of communication from the debt collector, include a statement in your letter saying that you refuse to communicate with them any further. Debt collection law in North Carolina gives you the right to be free from harassment and abuse from debt collectors. Any form of communication, whether it be with letters, emails, phone calls, or any other form, is considered harassment if it is being done multiple times a day or if it is done with the intent to annoy, abuse, or intimidate you. If a debt collector has done something that you believe violates debt collection law, you can file a complaint with the North Carolina Attorney General’s Office. In addition, a debt collector may not communicate with you if they are aware that a lawyer is representing you. If you have an attorney, you can send the debt collector a letter or email letting them know that an attorney is now representing you on this matter and they should contact your lawyer instead. You also have the right to dispute any debt that you are being asked to pay. If you believe that the debt is not valid or that the amount is incorrect, you can dispute the debt in writing. If the debt collector then fails to provide proof that the debt is yours, they must stop all communication with you.

Related FAQs

Can a debt collector tell me to pay more than I owe on a debt?
Must a debt collector give me written notice before attempting to collect a debt?
Can a debt collector garnish my wages without a court order?
Can a debt collector charge a fee for collection of a debt?
Is there a limit on how often a debt collector can contact me?
What information can a debt collector give to credit bureaus?
Can a debt collector contact me about a debt that I’ve already paid?
What should I do if I am being harassed by a debt collector?
What types of debt are covered by the Fair Debt Collection Practices Act?
What can I do if a debt collector is trying to collect a debt that isn’t mine?

Can I stop a debt collector from contacting me?

Related FAQs

Related Blog Posts