Put an End to Harassing Phone Calls

It amazes me to discover how many people are still unaware of the fact that you don’t have to put up with harassing phone calls from credit card companies if you still owe money to them. I guess I have submerged myself in this credit card world for so long that it just seems like common knowledge to me. But I’ve discovered there are many people out there that are still putting up with these calls when they don’t have to. So, I thought it might be worth mentioning

This may seem silly, but all you need to do is to simply tell the credit card company to stop calling you. That’s it. If you tell them to quit calling, they have to honor your request. If you really want to make sure they quit calling, follow up your verbal request with a request in writing, but talk to a supervisor first in order to guarantee that you have the proper mailing address. When you send the letter, request a return receipt so you have proof that you sent the letter and that it was received by the credit card company.

In the letter you send, make sure to mention that you are exercising your rights in accordance with the Fair Debt Collection Practices Act. This will help show the credit card company that you have done your research and are aware of your rights. In addition, notify the credit card company that you expect them to comply with your request or you will be filing a complaint with the Federal Trade Commission and with your state’s attorney general.

After you have sent this letter, the credit card company has the right to contact you one more times in order to let you know they will no longer be calling you or to notify you of any action they may be taking. But let’s be clear about one thing … this will not allow you to circumvent payment on your debt. You will still owe the money and will be obligated to pay back the credit card company. But, at least you won’t have to be stressed out by the harassing phone calls anymore.

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Tagged as: Security & Technology, unsolicited credit card offers