How To Stop An Original Creditor From Calling You

Stopping calls from an original creditor (the company that originally issued your loan or credit) can be a challenge since they are not typically governed by the same strict regulations as debt collectors. However, there are still strategies you can use:

1. Request the Calls to Stop

• Politely ask the original creditor to stop calling you and request that all future communication be done in writing. Some creditors may comply with this simple request.

2. Send a Cease-and-Desist Letter

• Even though original creditors are not subject to the Fair Debt Collection Practices Act (FDCPA) like debt collectors, sending a cease-and-desist letter may still work. This formal letter asks the creditor to stop calling you and only communicate in writing.

Steps to Send a Cease-and-Desist Letter:

1. Write a letter requesting that the creditor stops contacting you by phone. Include your account information and a clear statement of your request.
2. Send the letter via certified mail with return receipt requested, so you have proof that it was received.
3. Keep a copy of the letter for your records.

While original creditors are not required by law to stop calling based on your request, many will honor it to maintain a positive relationship or avoid escalation.

3. Work with a Debt Settlement Company

• One of the most effective ways to stop calls from an original creditor is to engage with a debt settlement company like CuraDebt. When you start working with a debt settlement company, they typically take over communications with your creditors, which can dramatically reduce or eliminate the phone calls you receive.

Benefits of Working with CuraDebt to Stop Creditor Calls:

• Professional Negotiation: CuraDebt will negotiate with creditors on your behalf, helping you settle your debt for less than what you owe. They take over the conversations, which can stop those stressful calls from coming directly to you.
• Creditor Communication: One of the biggest benefits is that debt settlement companies handle the communication with creditors. Once creditors know you are working with a company like CuraDebt, they are more likely to direct their communication through them, reducing the calls to you.
• Expert Guidance: CuraDebt has experience dealing with creditors and can guide you through the process of debt settlement, reducing your stress and the need for you to interact directly with your creditors.

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How to Stop a Debt Collector from Calling You

Stopping a debt collector from calling is easier than stopping an original creditor, thanks to the Fair Debt Collection Practices Act (FDCPA), which provides protections to consumers.

1. Send a Cease-and-Desist Letter

• If a debt collector is harassing you, you have the right under the FDCPA to request that they stop contacting you. Once a debt collector receives your cease-and-desist letter, they are legally required to stop calling, except to inform you of specific legal actions.

Steps to Stop Calls from Debt Collectors:

1. Write a cease-and-desist letter requesting that the debt collector stop contacting you. Include your account details and a clear request for no further communication.
2. Send the letter via certified mail with return receipt requested.
3. Keep copies of all correspondence for your records.

2. Use a Debt Settlement Company like CuraDebt

• One of the key advantages of working with CuraDebt when dealing with debt collectors is that they will take over the communication on your behalf. Debt collectors often stop calling once they know you are represented by a professional company like CuraDebt.

Benefits of Working with CuraDebt to Stop Debt Collector Calls:

• Complete Representation: CuraDebt will act as your representative, and once debt collectors are aware that you’re working with them, they are much more likely to stop calling you and instead communicate with the company directly.
• Stress Reduction: Handling debt collector calls can be stressful, and working with CuraDebt eliminates this burden. You no longer have to deal with intimidating calls, as the company takes care of these interactions for you.
• Negotiation Power: Debt collectors know that CuraDebt has the experience and expertise to negotiate, and this can often lead to better settlement terms while also stopping calls.

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Why Choose CuraDebt for Debt Settlement?

• Expert Negotiation: CuraDebt has extensive experience in negotiating with both original creditors and debt collectors. They can often settle your debts for a fraction of what you owe, helping you achieve financial freedom faster.
• Stops Harassment: Once CuraDebt is involved, they take over the communication with creditors and collectors, stopping the frequent and often stressful calls that disrupt your day.
• Customized Solutions: CuraDebt offers tailored solutions based on your financial situation, helping you manage or reduce your debt load in a way that fits your needs.

By working with a trusted debt settlement company like CuraDebt, you not only reduce or eliminate creditor and debt collector calls, but you also gain a path to debt resolution, often for much less than the total amount owed.