No one likes to receive a call from a debt collector. Debt collectors, for the most part, are annoying and bothersome. They are rude and have no problem harrassing people in an effort to get paid. But there is a way to stop all of the calls!
A debt collector cannot call you once you tell them, IN WRITING, to cease communication. Debt collectors are known for continuing to contact consumer after receiving “cease communication” notice.
The Fair Debt Collection Practices Act, FDCPA, and the Rosenthal Act, require debt collectors to cease all communications with a consumer about an alleged debt if the consumer communicates in writing that he or she wants all such communications to stop or that he or she refuses to pay the alleged debt. Notice that the request must be in writing. I always suggest sending it by certified mail or delivery confirmation so you have proof it was received.
Also, you can tell them that you refuse to pay the debt. However, I never advise that you do this.Why not? Its simple. If you refuse to pay it in writing, and you end up in court, then this could be used as evidence against you. You never want to appear to be unreasonable. So simply send them a letter asking them to stop contacting you.
Of course, consumers complained that collectors ignored their “cease communication” notices and continued their aggressive collection attempts. If this happens to you, document the calls in a log and talk to an attorney about your rights.