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You have the right to send what's referred to as a ?drop dead letter. '' It's a cease-and-desist motion that will prevent the collector from contacting you again about the debt. Be aware that you still owe the money, and you can be sued for the debt.

Never give out or confirm personal or sensitive financial information ? such as your bank account, credit card, or full Social Security number ? unless you know the company or person you are talking with is a real debt collector.

Informing debtors that they owe you money: If this is your goal, your letter should simply remind the client of their debt's existence and the initial due date. At most, you should gently hint that legal action could happen down the line, because perhaps the debtor doesn't intend to stonewall you.

Harassment and deception are illegal For example, debt collectors can't: Call you before 8 a.m. or after 9 p.m., in general. Call you over and over. Make repeated phone calls that are intended to annoy, abuse, or harass you or any person answering the phone.

Send a Cease-and-Desist Letter If you want a debt collector to stop contacting you, the FDCPA gives you the right to make that happen. Putting your request in writing, via a cease-and-desist letter, is an easy and effective option to stop the communication.

Although they are legally allowed to leave you a voicemail, it can only be done on a private cell phone where they are sure it will not be heard by a third party. Do not stand for debt collectors that violate the FDCPA. Always save your voicemail messages and any proof that may be usable in court.