How to stop collection agencies from contacting you

If you're interested to deal with your original creditor regarding payment of debt and would not like to interact with the collection agency, you'll need to stop their collection efforts. Under the FDCPA, you have the right to ask the collection agency to stop contacting you and they have must comply with your request. This is where the Request Letter to stop contact can help. A sample format of this letter is given below.


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Request Letter to stop contact (by collection agencies)

Your Name
Your Address
Your Phone #

Creditor's Name
Creditor's Address
Date

Dear Sir or Madam,
Re: Account Number

I am contacting you to request that you cease contacting me. I would like to deal with the original creditor to solve the problems regarding this account.


I hereby instruct you to stop collection efforts immediately or face legal actions under state or federal laws.


Sincerely,
Your Signature 
Your Name      
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* Disclosures:
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  • Some creditors and collection agencies refuse to lower the pay off amount, interest rate, and fees owed by the consumer.
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  • Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
  • The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.
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