If you owe any amount of money to someone, then you might dread opening up your mailbox or picking up the phone only to find that a debt collector is trying to contact you. It can be a daily hassle to try to keep the debt collector away, especially when you’re doing everything you can to pay your bills.
Is there anything you can do when it feels like a debt collector is beating down your door? Will you ever feel safe taking on debt again? How can you stop a debt collector? Here’s what you should know:
Debt collectors do have limitations
Debt collectors are limited by the number of ways they can contact someone about a debt. Debt collectors can’t just contact people around the clock – even if it feels like they are. They also can’t contact you at your job, meet someone in person or discuss a debt with anyone else.
Despite all the restrictions, however, debt collectors may still try calling, texting, mailing or emailing you to collect on debt – this can get tedious quickly. One option for many people who believe that a debt isn’t theirs, they may write a formal letter to the debt collector asking them to cease contacting them.
Filing bankruptcy will immediately halt collection efforts
Debt collectors must stop contacting a debtor if the debtor files for bankruptcy. If you’ve done your best but cannot keep up with your bills and have collection agencies hounding you, it may be time to consider alternatives.
If you have had it with debt collectors harassing you every day, bankruptcy will bring peace back into your world, it’s time to find out more about your legal options.