How do I get collectors off my back?

There is a limit to what collectors can do. If collectors are being deceptive or harassing you, you can sue them in civil court. By law, collectors can only call you between 8AM and 9PM. A collector cannot contact you at your place of employment. A collector must not make false or misleading statements, or make abusive remarks, or harass you. Nor can a collector call your family or friends to collect your debt. If collectors are harassing you, you should immediately write a Cease and Desist Letter, telling them to stop calling you, and to stop any further communication with you. Send this letter by certified mail, return receipt requested. By federal law, they must stop contacting you with the exception of a letter stating that their collection efforts have ended, or the collection agency intends to take specific action against you (that is, sue you). Generally, collection agencies do not sue, so don't loose sleep over it.

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