Can a debt collector contact me after I’ve written them a letter asking them to stop?

Yes, a debt collector can still contact you after you send them a letter requesting them to stop. The California debt collection law states that sending the letter to the creditor is not enough to stop debt collection activity. The debt collector is legally allowed to continue to contact you, as long as they are abiding by the Fair Debt Collection Practices Act. This Act outlines rules and regulations on how debt collectors can contact you, such as the time and manner of contact, as well as what information can be asked and discussed. The Fair Debt Collection Practices Act also states that debt collectors must honor your request to stop contact if you notify them in writing. This means that a debt collector may continue to contact you, but must cease any type of harassment or abuse against you. The debt collector must also make it clear that you are no longer responsible for the repayment of the debt. If a debt collector continues to contact you after you have sent them a letter asking them to stop, you can file a complaint with the Federal Trade Commission or your state’s Attorney General office. Your local consumer protection agency can also provide you with additional information on debt collection.

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Can a debt collector contact me after I’ve written them a letter asking them to stop?

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