is there a legal way to stop bill collecters from calling?

Question

I Became unemployed in june and have fallen behind on my credit card bills. I had excellent credit until now. In that length of time my credit is destroyed and it is still impossible for me to catch up where i have fallen behind.I have tried making small payments but they keep on calling

Answer 1

Don't bother making the small payments it'll only go towards the interest and not the principal of the loan. These people that work in collections are only doing their job, and that it is to be aggressive and persistent. They will not stop and you can't make them. Unless you file bankruptcy, once you have filed bankruptcy they absolutely can not call you.

Don't let bankruptcy frighten you, sometimes you've gotta do what you gotta do. If you owe more than 25,0000 go for either chapter 7 or chapter 13. People think that you won't be able to establish credit after bankruptcy but it's not true - it;s just that the interest rates are high because creditors consider you a high risk.

Good luck

Answer 2

I used to be a bill collector, and the company I worked for had a hardship program that allowed unemployed debtors to pay a small amount of money for 3 months without recieving late fees or finance charges. The dollar amount you will have to pay will depend on the amount that you owe the company. You will also have to send them a letter stating why you need the hardship program.

You may also write a cease and desist letter. This means that the company is not allowed to call you or send you letters of indebtedness. They still, however, are allowed to send you a monthly bill.

These are just a couple of suggestions that I can think of right now. I hope it helps, and good luck in your job search!!

Answer 3

You have the right to request a cease of all telephone calls under the Fair Debt Collection Practices Act. Simply inform them (preferably in writing) that all calls are inconvenient, and that the only channel for communication should be through the US Mail.

If you are having trouble getting caught up, you should consider contacting a credit counselor. Find one that has a satisfactory rating with the Better Business Bureau.

Answer 4

According to the Fair Debt Collection Practices Act

"You can stop a debt collector from contacting you by writing a letter to the collector telling them to stop. Once the collector receives your letter, they may not contact you again except to say there will be no further contact or to notify you that the debt collector or the creditor intends to take some specific action. Please note, however, that sending such a letter to a collector does not make the debt go away if you actually owe it. You could still be sued by the debt collector or your original creditor."

Answer 5

I think the only way to keep them from calling is declare chapter 13 bankruptcy.

But here's a funny way a comedian thought of. When the creditors would call, she'd say, "Every month, I put all the names of the people I owe money to in a hat. Each time you call, I take your name out of the hat."

Good luck, hon. Debt is an ugly monster, but it can be overcome.

Answer 6

I had the same problem you did, so what I finally did was, I got my phone number changed. I still have to pay my collections, of course, but now at least I don't have some outsourced dude from Indochina calling me and making me feel like a loser all day long. It's free to change your number (at least it was free thru Verizon.) Don't worry-it will all work out!

Answer 7

I'm certain that you must find every financial answer at: financial-care.info-

RE Is there a legal way to stop bill collecters from calling?

I Became unemployed in june and have fallen behind on my credit card bills. I had excellent credit until now. In that length of time my credit is destroyed and it is still impossible for me to catch up where i have fallen behind.I have tried making small payments but they keep on calling

Answer 8

They can't:

Call you on the phone late at night or very early in the morning.

Call you if they know you have an attorney. They must communicate with the attorney instead.

Call you at work if the bill collector knows your employer prohibits such calls.

Read up on the The Fair Debt Collection Practices act.

Answer 9

Call each one of the creditors and ask them if they could work out a payment solution ($xx dollars per month) in exchange for taking your name off of the collector's lists. Tell them your situation and your willingness to pay off your debt. They usually are willing to work with people who are earnest about repaying their debt, however they will send you back to the creditors if you don't honor that deal.

Answer 10

Yes, pay the bills. If not tell them what is going on and that you can not pay, ask to work out a repayment plan with them now before they take you to court and it get more expensive for you.

It is your duty to tell them why you can not pay. Tell them what you can afford to pay each month and PAY IT. Ask them to stop late fees and overlimit fees.

Check out the Fair Debt Collection Act and know all your rights.