Calls from debt collectors can be overwhelming and intimidating but learning some dos and donts about handling debt collector calls and understanding your rights when it comes to debt collection agencies can ease your anxiety. Debt collection calls are usually unwanted and can border on harassment the federal law gives you rights that help you stop debt collector calls the surest way to stop debt collectors from calling you is by sending what is known as a cease and desist letter in the letter state that the collector should cease and desist further . When a debt collector calls its important to know your rights and what you need to do the ftc enforces the fair debt collection practices act fdcpa which makes it illegal for debt collectors to use abusive unfair or deceptive practices when they collect debts. Debt collector phone calls can catch you completely off guard and when youre unprepared for a conversation with a debt collector you can end up making an agreement to pay a collection you cant affordor you may get into a heated argument with a collector who insists you immediately pay a debt you dont think you owe. When it comes to collection calls the debt collection act says there is much that collectors cannot say or do including using abusive or obscene language harassing you with repeated calls
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