We’ve discussed some ways to get debt collectors to stop bothering you in the past, but the folks at the Consumer Financial Protection Bureau put together a great set of formal letters you can customize to your case that will get your message across loud and clear.
There are five sample letters available at the CFPB’s site, each for different situations. The first is your standard “I need more information before I do anything here” letter, which tells the debt collector that you don’t recognize the debt, or the organization that’s contacting you, and you want to acknowledge that they’re been in touch but want more data before you do anything. The second is a formal dispute letter that sends the message that you don’t think you owe any money, have proof to back it up, and suggest they stop bothering you until they can prove otherwise.
The third letter exercises your right under the Fair Debt Collection Practices Act to not be contacted by the debt collection company at inconvenient or inappropriate times. This letter is the one that tells collectors to stop calling you at work or in the middle of the night, or to use mail instead of the phone to reach you. The fourth and fifth letters are “leave me alone” types of communication. The fourth essentially says you’ve hired a laywer to address this issue and they should talk to them, and the fifth says stop contacting me altogether. That last one won’t stop them from filing a lawsuit, but it does formally request they stop contacting you entirely.
All five letters are available to download as Microsoft Word documents, so you can open them in Word or upload them to Google Drive (or use whatever other software you choose) to open them, tweak and customize them to fit your situation and the collector that’s harassing you, and then send them off in the mail. Remember though, if you are having trouble with a debt collector, make sure to at least deal with them head-on first before taking up arms. Hit the CFPB link below for more tips, and to download the templates.
New Ways to Combat Harmful Debt Collection Practices | Consumer Financial Protection Bureau via The Consumerist
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