If a debt collector contacts you about a debt, you should talk to them. Ignoring them will make them furious and they go out of there to put you under undue pressure to pay your debt. Talk to the debt collector to see if you can resolve the matter – even if you don’t think you owe the debt, can’t repay your debt immediately, or think that the debt collector is contacting you by mistake. If you decide after contacting the debt collector that you don’t want the collector to contact you again, write the debt collector a letter asking them to stop contacting you.
Here’s how to do that:
Make a copy of your letter. Send the original by certified mail, and ask for “return receipt Once the debt collector receives your letter, they 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 they or the creditor intend to sue you. Sending such a letter to a debt collector you owe money does not get rid of the debt, but it should stop the contact. Your creditor or the debt collector still can sue you to collect the debt.