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Q:
Is there a law stating you can tell creditors to stop calling?

I'm having a problem with a credit card company. I'm behind 50 days with a payment. I spoke to customer service and explained my situation but I still keep getting phone calls, about five times a day. Someone told me that there is a law that says you can tell them to stop calling. Is it true? -Gilbert

Gilbert,

You can write to this collection agency demanding they not contact you anymore about this account. The Federal "Fair Debt Collection Practices Act" (FDCPA) states, "If a consumer notifies a debt collector in writing that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except - (1) advise the consumer that the debt collector's further efforts are being terminated; (2) notify that specific remedies may be invoked; (3) that the debt collector or creditor intends to invoke a specified remedy." This is quoting directly from the FDCPA. Make sure, in your letter, you mention you are aware of this federal law and this provision of the law. If you have questions about this Act, call the Federal Trade Commission's Consumer Response Center at 877.382.4357. Be sure to send your letter to this collection agency by certified mail, return receipt requested so you have proof they received your "cease and desist" letter.

Please keep in mind that this does not mean that you do not owe the debt and it will not stop the creditor from pursuing further collection efforts.

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