Can a debt collector contact me after I’ve sent them a cease and desist letter?

In North Carolina, debt collectors are prohibited from calling you after they have received a written cease and desist letter. However, the debt collector may still contact you for the sole purpose of informing you that they will no longer contact you, that they are taking some specified action in response to your letter, or that they are attempting to verify the validity of the debt. The cease and desist letter should include your full name, the date of the letter, your address, and the creditor’s name and address. It is also important to maintain a copy of any correspondence you have with debt collectors. According to North Carolina law, debt collectors may not call you at unreasonable times. For example, they may not call you before 8am or after 9pm. They also may not use profane language, threaten to take legal action against you, or call you at your place of employment if you have asked them not to. Debt collectors are also prohibited from harassing you by making frequent phone calls or engaging in other activities that are meant to annoy or harass you. If a debt collector violates any of these laws, you may be able to take legal action against them. It is important to remember that debt collectors may still contact you about your debt even after they have received a cease and desist letter. However, if they continue to contact you after they have been asked to stop, you should contact an attorney for assistance.

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Can a debt collector contact me after I’ve sent them a cease and desist letter?

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