Roy Weddleton
  Concord, NH 03301
(603) 228-1360 • roy@granitelaw.com

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HOW TO STOP DEBT COLLECTORS IN THEIR TRACKS

I get calls every day asking about how to stop debt collectors from calling and harassing you for a debt you may or may not owe. Here are some tips you can do before you have to call an attorney:

8 TIPS TO DEAL WITH DEBT COLLECTORS
    
1. Communicate with debt collectors only in writing. With a rare exception, don’t talk on the phone or meet them in person.

2.  Don’t be afraid to hang up. If they keep calling, the next time, just put the phone down and leave on so they cannot make another call.  You can also tell them that this call is being recorded.  Make sure if you do record it, you tell them you are doing so.

3. Record the dates and times that you were called.  Calling you excessively to harass or annoy you is a violation of the Fair Debt Collection Practices Act. 

4. Make sure every communication from a debt collector includes a written statement
explaining your right to dispute the debt.  If you disagree that you owe the debt or the specific amount ,wait to get the written statement from the debt collector and then send your response in writing.  Say you dispute the debt and request verification of the debt.
If you send your written response within 30 days of receiving their statement about your right to dispute the debt, the collection agency is not permitted to contact you until the verification is sent. Don’t forget to send your response by certified mail so you will have proof that you sent it.  

5.  Send all letters by certified mail with return receipt so you will have proof of the dates that your letters were received by the debt collector. 

6. Don't give them any information unless it is clear proof that you don't owe the debt Always send copies, not originals. 

7. Save copies of everything including the envelopes from the debt collector.

8. If the calls do not stop, give them your lawyer's name and number.

Would you like to know more? Read:

If you have questions or want additional information,
call Attorney Weddleton at 603-228-1360 or e-mail him roy@granitelaw.com.
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