Are you getting debt harassment phone calls? Discover an easy tactic to Stop Debt Harassment Phone Calls!

Are you bothered with constant debt harassment phone calls? Are you sick and tired of the annoying debt harrasment calls from debt collectors and creditors at all hours at home and even at work? Do you get stressed every time the phone rings? If this sounds familiar, you should know about very simple tactic to stop those embarrassing debt harassment phone calls.

Congress passed a law in 1978 that protects the rights of US citizens tht owe money to creditors. It protects the rights of people who are in debt by regulating the activities of debt collectors and collection attorneys. The law is named The Fair Debt Collection Practices Act.The law is very simple in its intent. It says that debt collectors and attorneys are required to stop calling you at home and at work once you ask them to stop.

However, it states that in order to be effective, your request must be made in writing. Then, the next time you get a debt harassment phone call, ask them to stop calling you on the phone, but you must follow up your request in writing. To be sure that they receive your written request, you should send a certified letter, with return receipt requested. By sending a certified letter, you will have proof that they received it.

So, if you are getting debt harassment phone calls and would like them to stop, make sure you tell them whenn they call you. Let them know that you do not have the money to pay them now and ask that they stop contacting you by phone. If necessary, tell them that The Fair Debt Collection Practices Act requires that they stop phoning you at home and at work. Then informthem that you will send them a certified letter in compliance with the law that officially asks them to stop contacting you by phone. Then, remember to ask them for an address that you can mail the letter to.

If debt collectors contacts you after they've recieved your written request, you may have the right to sue them and collect damages. If you need additional information and want to stop those disconcerting debt harassment phone calls, visit Stop Debt Harassment Phone Calls!

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Feb102009-13:04