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If you have ever been contacted by an aggressive debt collector, you may know that these bullies can seem impossible to stop. However, it is possible to stop debt collectors, and when you opt to work with CreditNowUSA, we can show you how. There are a set of national laws and some individual state laws that dictate how these professionals are allowed to treat you. The national laws are outlined in the FDCPA (Fair Debt Collection Practices Act), and several of the laws in this act outline how to stop debt collectors. If you want to stop a debt collector from calling your cell phone or your work phone, you only need to verbally cease them from calling that number. Once you verbally cease them from either your work or cell number, they are never allowed to call that number again. However, they are still allowed to call you at home. In order to stop a debt collector from calling your home, you need to send a written request forbidding them from calling you at your home number. Ideally, you should have their address as collection agencies are legally bound to send a placement letter to you when they receive your debt in their office. If you have not received a placement letter, you should tell them to send you one, or you should ask the debt collector for their address over the phone. Unfortunately, in most cases, it can be difficult to get a collection agency to stop sending you mail. By law the mail cannot have any information about the debt on the outside of the envelope so you should not have to worry about other people seeing the mail and finding out about your situation. However, it can still be troublesome to receive these letters. If you wish to stop mail, you may have to declare bankruptcy. However, at CreditNowUSA, we are more than willing to discuss other options with you. If you have ever felt harassed by a debt collector, you can stop them. Legally, they cannot walk all over you, and at CreditNowUSA, we can empower you to stop them. For more information, go to Collection Practices at http://www.creditnowusa.com/Collection-Practices
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