If you are bothered by incessant calls from your creditors, writing a “cease communication” letter is worth considering. There is a federal law called the Fair Debt Collections Practices Act (FDCPA) which governs here. Most states have a similar state law (e.g. Colorado Fair Debt Collections Practices Act) which is modeled after the federal law. THE FDCPA states in part that:
1) CEASING COMMUNICATION. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt…
Writing a “cease communication” letter is quite simple. Click here to view a sample of a Cease Communications Letter as well as other financial tools such as a Monthly Budget and Verification or Dispute Letter.
Here is the key: send it by certified mail so that you can prove that it has been sent in the event that your request is violated. If the creditor calls you again, inform the creditor that they are violating the FDCPA and that if they call you again you intend to report them to your state Attorney General and the Federal Trade Commission.
Once you send the letter, you can expect the creditors to stop calling you. If they do not, I would consider filing a complaint.