Use the letter provided below to stop Collectors from calling. This is your right – It’s the law!

Important Note: When mailing this letter, use certified mail with return receipt. Ask your local post office for help if you’re not sure how to do this or to read about it at the USPS website, click here.

Make sure you keep copies of your letter and certified mail receipt for your records.

Send this letter out within 30 days of the first contact by the collection company. Even if it is a collection attorney, they are required to follow the same rules and regulations – don’t be intimidated by them.

Under law, the collection company or attorney is allowed to contact you one time, after receipt of the letter, to notify you or their intent, which should be to stop calling you. 

Any company trying to collect from you that is not the original creditor is a collection agency. That company is a debt collector and is subject to the law. Send the letter, it's legal and it works!

Copy and Paste this letter into an editable text document (such as Microsoft Word). Change (or delete as neccessary) the information as in italics, print and send via certified mail. 

Date:  use today's date

My Name
My Address
My City, State and Zipcode
DO NOT put your telephone number

 

Collection Company/Attorney
Their Address
Their City, State and Zipcode

Re: Collection Company/Attorney Account # 12345678

Dear Debt Collector;

This will serve as your legal notice under provisions of federal law, the Fair Debt Collection Practices Act FDCPA, to cease all communication with me in regard to the above referenced debt or debts.

If you fail to heed this notice, I will file a formal complaint against you with the Federal Trade Commission who is responsible for enforcement of the FDCPA, the States Attorney General's office, The American Collectors Association, local State Bar Association and Illegal Practices of Law Association.

I have decided that I do not want to work with your collection agency or for that matter any collection agency under any circumstances. I will contact the original creditor to resolve this matter directly, as circumstances warrant.  By sending this letter it is my intention to stop all your calls and collection activity from this day forth.

You are also notified that should any adverse information be placed against my credit reports as a result of this notice that appropriate actions will be taken. Please give this very important matter the utmost attention. 

Sincerely,

 

______________________________         Date: __________________
Your Name Goes Here

Certified Mail # ________________________________________________________

You can add the below notice for added measure. We hope this Stop Collectors Now letter will give you some relief and good luck.

Collection Company Notice:   This is an attempt to make a debt collector obey the law.  Any information obtained, will be used for that purpose. All my phone numbers will be monitored and tape recorded for my protection starting from the date I have signed above.