how can i get collection calls to stop
Posted 12 March 2012 - 08:28 AM
Posted 12 March 2012 - 09:10 AM
1. Identify who they are and look them up at your secretary of state (online) to get their registered address.
2. Send them a certified letter return receipt requested (A certified letter where you get a return stub proving that they have received and signed for the letter), your post office will help you with that.
3. The letter has to be sent from your boyfriend to the collection agency demanding they cease communication pursuant to FDCPA Section 805©. Google it and read section 805, 806, 807 and 809.
123 My Street
My City, My State 00000
Naughty Collection Agency
123 Their Street (as registered with secretary of state)
Their City, Their State 00000
March 12, 2012
Re: Your Account # 12345
Balance Claimed: $1,000,000.00
This letter is to be construed as a cease communication order pursuant to FDCPA Section 805©.
Boyfriend (no signature is necessary but feel free to sign it if you wish)
Posted 13 March 2012 - 02:53 AM
Check out the Federal Trade Communication website (FTC.gov) for even more information regarding debt collection. Note, do not admit liability or make a partial payment. If the debt is from 2001, a statute of limitations in the relevant jurisdiction may operate to bar a lawsuit against you to collect the debt. However, the paying or offering to pay a small amount of it may be sufficient to reinstate the debt. Here's another website with helpful information.
Posted 13 March 2012 - 03:51 AM
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