Harassing phone calls by credit card companies or debt collection companies can greatly alter your quality of life. It is very easy to COMPLETELY STOP ALL HARASSING PHONE CALLS.
The next time your credit card company or debt collector calls, pick up the phone, allow them to identify themselves and tell them the following:
"Thank you for calling. In accordance with the Fair Debt
Collection Practices Act, I am giving you notice to stop calling
me in regards to this matter as I am only accepting
communication concerning this account in writing."
This should be the end of the conversation. They may ask you to put
your request in writing and fax it to them
(make sure you get the fax number!).
Go ahead and write a simple letter using the wording above and fax it to them. You will not hear from them again by phone.
Should the they continue to speak with you, annouce once more: "I am giving you notice to cease and desist calling me on this matter in accordance with the Fair Debt Collection Practices Act.", then simply hang up.
The Fair Debt Collection Practices Act is something you should read and become familiar with. It is quite brief and easy to read.
Good Luck!!
