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Can I stop bill collectors calling my home for trying to collect a relative debt?
Wiki User
∙ 15y ago
If you are in the U.S. there are laws to protect you against this type of collection but first be sure that you are not a co-signer or in some way named on the debt. Write a letter keeping it professional in language but clear that you are not to be contacted again. Send it in a way that you are able to prove delivery such as registered and return requested or Fedex with signature required. When they receive the letter they are required to stop. Refer to the Fair
Debt Collection Practices Act at http://www.usdoj.gov
Wiki User
∙ 15y ago
Wiki User
∙ 14y agoPerhaps. The question is somewhat vague in the sense that there is some confusion about how you are related to the debt collectors, as you mentioned relatives.
If debt collectors are harassing you over a debt that is not yours, and they are just hounding you because you are a relative of the person or people with whom they have an issue, they cannot pursue you by virtue of your relationship with the people who have the debt. If it is not your debt, I cannot imagine why they would want to speak with you.
But quite simply, if you have instructed them to stop, to leave you alone, and they are aware that you are not the person in debt to them, continued harassment (calling, threats, posturing) borders on "predatory debt collection practices" which can, in some instances, be in violation of federal law.
Next time they call, tell them the following, "As provided by the Fair Debt Collections Practices Act, I am advising you not to try to contact me in any way at my place of employment or at my home." If after letting them know that you are fed up and they call again, make sure you get names, numbers, document the time, the content of the conversation, and you will have yourself a solid cause of action to bring suit against whomever they are.
Wiki User
∙ 9y agoThat depends... They are entitled to make reasonable attempts to contact you in order to arrange to recover the debt you owe. HOWEVER - if they call every hour, all day for weeks - that's harassment.
Wiki User
∙ 9y agoIf they're actually harassing you, yes. If they're not violating the Fair Debt Collection Practices act, then it's probably not "harassment."
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