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According to the FDCPA (Fair Debt Collectors Practices Act), collectors must follow these rules: 1) A collector cannot call you after youve told them not to do so. 2) A collector cannot call you at work. 3) A collector cannot tell other people about your debt. 4) A collector cannot threaten you (with court, jail or other). And lastly, please dont ever give a collector your bank account information or give them post-dated checks. You want a written agreement about how the debt will be paid before you pay a cent.
Letter example to send:
(Date)
To Whom it may concern:
I have been contacted by your company about a debt you allege I owe. I am instructing you not to contact me further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so.
Sincerely,
(Name)
(Account No.)






Is it legal for a creditor to call and harrass you on your job?
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Is it legal for a creditor to call and harrass you on your job? My boss has told them it's illegal. Is this true. They have been told on several occasions to stop.