Want the collectors to stop calling you?

- Ask for the name and address of the company. Then write a letter saying: “Do not call me anymore,” and send it certified mail. By law, it must obey your wishes. The debt doesn’t go away, but the harassment does.
- Companies are not allowed to call before 8 in the morning or after 9 at night.
- They must mail you a letter giving the details of your debt within five days of calling.
- They’re not allowed to tell anybody else about your debt.
- It’s illegal for collectors to curse at you or threaten violence.
- No false lawsuit claims — it’s also illegal for collectors to say they’re going to sue you unless they really are.