When a debt collector initially contacts you, you should speak with them, regardless of whether or not you think you have debt or can pay it back. After speaking with the collector, if you do not want them to call you back again, send them a letter telling them to end correspondance with you. You should keep a copy of the letter for yourself to keep in your records. When sending the letter, buy a return receipt for it so that you know if and when the letter was received. At this point, the collector will only be able to contact you either to inform you that they won't call again or to tell you that the creditor intends to file a lawsuit, which they are lawfully allowed to do in order to collect your debt. If the debt collector continues to harass you after they received the letter, then you have the right to file a lawsuit against them. Once you are being represented by an attorney, the debt collector must stop contacting you and can only speak with your attorney about the debt.
If you have been harassed by a debt collector and need legal advice, contact the Shelly Leeke Law Firm today at 843-277-6061.