Are you overwhelmed by constant calls from creditors? Stopping these calls, especially from original creditors, can be challenging since they aren’t subject to the same regulations as debt collectors. But don’t worry—there are still ways to manage these calls and reduce your stress. In this guide, we’ll explore the most effective strategies to stop calls from both original creditors and debt collectors, and how working with a professional debt settlement company like CuraDebt can help manage and resolve your debt.
If you’re looking for a way to stop those stressful creditor calls, CuraDebt offers a free consultation to help you navigate the best debt relief options.
What Are Original Creditors And How To Stop Their Calls?
An original creditor is the company that first issued you a loan or credit. These companies have a vested interest in collecting the money you owe and may contact you directly. Unfortunately, they aren’t governed by the Fair Debt Collection Practices Act (FDCPA), which limits the actions of debt collectors. However, you still have options to reduce or stop these calls.
1. Request to Stop Calls
- The simplest way to reduce calls is to politely request that your original creditor stop calling and communicate only in writing. While they are not legally required to comply, many companies will respect your request, especially if you explain your situation clearly.
2. Send A Cease-And-Desist Letter
- A more formal approach is to send a cease-and-desist letter. While original creditors aren’t bound by the FDCPA, they may still honor your request to avoid escalation or negative publicity.
Steps To Send A Cease-And-Desist Letter:
• Write a letter requesting that the creditor stops contacting you by phone and only communicates in writing. Include your account information and a clear statement of your request.
• Use certified mail to send the letter with a return receipt.
• Keep copies of all correspondence for your records.
Though not guaranteed, this can often reduce the frequency of calls.
3. Work with A Debt Settlement Company
- One of the most effective ways to stop creditor calls is by working with a debt settlement company like CuraDebt. Once you enroll, the company typically takes over communication with your creditors, drastically reducing the calls you receive.
Benefits of Working With CuraDebt To Stop Creditor Calls:
• Professional Negotiation: CuraDebt negotiates directly with creditors to reduce your overall debt. Once the process begins, creditors are more likely to contact CuraDebt instead of calling you directly.
• Creditor Communication: CuraDebt takes over the stressful back-and-forth communication, helping to stop those persistent calls.
• Expert Guidance: The CuraDebt team offers guidance throughout the entire process, reducing your stress and ensuring you follow the best path for your financial situation.
How To Stop A Debt Collector From Calling You
Unlike original creditors, debt collectors are subject to the FDCPA, which provides greater protection for consumers. If a debt collector is harassing you with repeated calls, here’s how to stop it.
1. Send A Cease-And-Desist Letter
Under the FDCPA, you can legally request that a debt collector stop contacting you. Once they receive your cease-and-desist letter, they are required by law to stop calling, except to inform you of legal actions being taken.
How To Stop Calls From Debt Collectors?
Redact a cease-and-desist letter including your account details and clearly request that they stop calling. Send the letter via certified mail with return receipt requested and keep copies of all correspondence for future reference.
This is the most effective way to immediately stop debt collector calls.
2. Work with CuraDebt to Manage Debt Collector Calls
When dealing with persistent debt collectors, enrolling in a debt settlement program with CuraDebt can help ease the burden.
Advantages Of Working With CuraDebt To Stop Debt Collector Calls:
• Complete Representation: CuraDebt acts on your behalf, ensuring that debt collectors communicate directly with them rather than contacting you.
• Stress Reduction: Debt collectors can be aggressive and persistent. By having CuraDebt manage these communications, you can avoid the stress and anxiety of handling it yourself.
• Negotiation Power: CuraDebt negotiates with debt collectors to reduce your overall debt, often reaching settlements that are more favorable than what you could achieve on your own.
Why Choose CuraDebt For Debt Settlement?
Choosing the right debt settlement company is essential to stop creditor and debt collector calls while resolving your financial issues. Here’s why CuraDebt is an ideal choice:
• Expert Negotiation: CuraDebt has over two decades of experience negotiating with both original creditors and debt collectors. They can help you reduce your debt significantly, often for much less than the amount you owe.
• Stops Harassment: Once CuraDebt steps in, they take over all communications with creditors, putting an end to the frequent and stressful calls that disrupt your daily life.
• Customized Solutions: CuraDebt offers personalized solutions tailored to your financial situation, whether you need debt settlement or tax debt relief. Their solutions help you manage your debt effectively and work toward financial freedom.
