It is your right, as outlined in the FDCPA, to choose how a collection agency contacts you. Whether you prefer be contacted by phone, written communication, or both, collectors must comply with your request. As mentioned above, the easiest way to do this is to ask the agency to stop calling you next time they attempt to get in touch. Sometimes collectors will even offer an online form to help expedite the process. If you still receive calls after requesting for them to stop, it may be necessary to send a formal cease and desist letter. Once received, the collection agency should only contact you to:
- Notify you that the collection calls will end
- Advise you that other means to collect your debt may be used
