How can I stop a debt collector from contacting me?

Posted & filed under .

If a collector contacts you about a debt and you don’t want the collector to contact you again, tell the collector – in writing – to stop contacting you. Here’s how to do that:

Make a copy of your letter. Send the original by certified mail, and pay for a “return receipt” so you will be able to document what the collector received. Keep in mind that sending this letter to a debt collector does not necessarily get rid of the debt (if it’s actually owed), but it should stop the contact from the debt collector. Once your letter is received, the debt collector may not contact you again, with two exceptions: a debt collector can contact you to tell you there will be no further contact or to let you know that the collector or the creditor intends to take a specific action, like filing a lawsuit.