How to Stop Debt Collectors from Calling You

The FDCPA applies to third-party debt collectors — companies or individuals that collect debts owed to another party. It generally does not apply to original creditors collecting their own debts, though some states have similar protections.

Under 15 U.S.C. § 1692c(c), you have the right to notify a debt collector in writing that you wish them to cease all communication. They must comply, except to confirm they will stop, or to notify you of a specific legal remedy they intend to pursue.

Within 30 days of the initial communication, you have the right to request written verification of the debt (15 U.S.C. § 1692g). The collector must provide the amount, creditor name, and your right to dispute.

Keep detailed records of all communications including dates and times of calls, caller name and company, what was said, copies of all letters, and saved voicemails and text messages.

If a debt collector violates the FDCPA, file complaints with the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov/complaint, the Federal Trade Commission (FTC), and your state attorney general's office.

A licensed consumer protection attorney can evaluate your situation and explain your legal options. Many FDCPA attorneys work on a contingency basis, meaning you may not have to pay out-of-pocket legal fees.