Collections people are arguable they rudest, unforgiving people on the planet that invade your privacy and make people's lives miserable.
Luckily, you are protected by federal law from having these people harass you, and you can stop bill collectors calling you at home and at work.
Legally, bill collectors calling you is not a crime.
If they believe you have an outstanding debt, they have the right to go after you.
They can call your friends, neighbors and friends to track you down; however they can only contact them once.
If they are regularly contacting your friends and relatives to find you, they are breaking the law.
They have to have either new information or an entirely different reason each time they contact them.
They can call your work, home, or any place that they can get a hold of you.
What they can't do is continue to call you if you request them to stop.
By simply making a formal request, you can stop them from ever contacting you again.
In order to stop bill collectors calling you, get the name of the collection agency, the main address and the full name of the person you are speaking to.
Tell them that you would like them to follow up with the conversation in writing and cease contacting you by phone.
Then simply write a formal letter to collection agency that demands that they stop calling you at home and at work.
Make sure to send the letter via certified mail with a return receipt so you have a record of them receiving the letter.
Also make sure you keep copies of all correspondence, and that you document each conversation you have.
Record the time, the number they called you at, who you spoke to, and what was said.
Keep clear records of all of this information in case they try to contact you about the debt later, or sell it off to another collection agency.
When you make a formal request to have bill collectors put an end to bothering you at home and work, federal law requires them to honor your request.
If you tell them you would like to end all communication, verbal and written, they may follow up with you one last time to inform you of the steps they will take in order to satisfy your debts.
This could include pursuing legal action, but you can stop that as well by making them validate the claim.