Instructions

1

Wait five days after the first call. The FDCPA requires collection agencies to send you written notice that includes how much you owe, who the creditor is and tells you how to request verification.
2

Read the notice to determine if the debt is yours. Send a letter to the collector by registered mail disputing incorrect debts. According to the Federal Reserve Board, you have 30 days after receiving the notice to dispute the debt and ask the collector to verify that you owe it. Include the agency's case number, -- found on the debt notice -- your name and address and the reason you dispute the debt. The collector cannot call you again until you receive validation of the debt.
3

Send the collector a letter asking it to stop calling. The FDCPA requires collectors to stop calls after receiving your request, except to send you notice that they will not contact you again or to notify you that you are being sued for the debt. Specify in the letter that the collector is not to contact you at work or contact your family or neighbors.