Collectors blowing up your phone? ๐ This letter tells them to stop all calls, texts, and emails immediately. Under the FDCPA, they must comply or face fines. Communication will only come by mail so you stay in control. ๐ก๏ธ
Where to send:
- The debt collectorโs mailing address (from their collection notice).
Loopholes & tips:
๐ This doesnโt erase debt, but it kills the stress of constant calls.
๐ If they still call โ log it and file complaints with the CFPB or Attorney General.
๐ Great tactic if you need time to negotiate a settlement.