Debt collectors can be very manipulative and persistent, but it's important to remember that you are protected under the Fair Debt Collection Practices Act. Collectors are not allowed to harass you.

Stopping their calls may seem impossible, but it's actually quite simple: Send a letter.

In your letter to the debt collector, tell them that you do not want them to contact you anymore. Send the letter via certified mail so that they must sign for it and you will receive a receipt letting you know that they received it. You should also make a copy of the letter for your personal records. After you have communicated your wishes to the debt collector, they are not legally allowed to contact you again unless it is to a) let you know they will not contact you anymore or b) to tell you that they are taking legal action against you.

If you send you letter to the debt collector and they still continue to call you, they are violating the Fair Debt Collection Practices Act. In this case, you have the right to sue in a state or federal court within one year from the date the law was violated. If the debt collector is found guilty, they may have to pay you up to $1,000, any damages, your attorney fees, and court costs. However, you must remember that even if a debt collector violates the law, you do still have to pay back your debt.

If you are in debt and are looking to settle it, contact Houston debt relief lawyer J. Thomas Black for a free consultation at 888-707-1233