Wednesday, April 23 2014, 09:23 AM MDT
Get Gephardt: Stop Collectors from Calling
By Matt Gephardt
(KUTV) When it comes to getting collectors to stop calling, you have rights. Specifically you have the right not to be harassed and that right goes double if you don't even owe the debt.
J.R. Chamberlain has been plagued with calls for more than four years all for a debt that's not his. He says that he has asked that the collection calls stop, but they continue.
“I knew there was a solution, but I wasn't sure what it was,” he said.
J.R. decided to Get Gephardt so this time we contacted the collection agency on J.R.'s behalf. No one from the company ever responded.
So, Get Gephardt took J.R.'s case to Will Vandertoolen with the AAA Fair Credit Foundation. He says that federal law dictates that if a consumer tells a collector to stop calling then the collector must stop calling, but that request needs to be made in writing.
“[J.R.] should send a cease-and-desist letter by mail to the organization telling them to stop,” he said.
After that, if the calls continue, J.R. can sue and maybe force the debt collector pay him.
J.R. says he did send a letter after which the collection calls stopped.
Just because a consumer orders a debt collector to stop calling doesn’t make the debt go away. Vandertoolen says it is also a good idea to dispute the debt with the collection agency if you don't believe it is yours so they don’t report the debt to the nation’s credit bureaus.
(Copyright 2013 Sinclair Broadcasting Group)