Have you ever asked yourself if you can stop debt collectors from calling you? The answer is yes! You can stop debt collectors from calling you, harassing you, bothering you, and you can also show them that you know your rights which will make their attempts at debt collection less frequent. Also, by showing them that you know your rights, you can often have a debt collector settle for much less which of course will save money.

1. When you get debt collector calls, the first thing you should do is stop them immediately. Most state laws are that debt collectors must stop calling once notified by mail to not call. You must submit a hand written or printed letter to a debt collector for this to work. If you do not, many debt collectors act like they did not hear you tell them to stop calling. Be sure to record the time, date, and place where you mailed your letter from. Also get a video of yourself putting the letter in the mail box. Keep all records when dealing with a collection agency, because they are often very sneaky and sly in their business practices.

Here is an example of what you can put into a letter to a collection agency."Under (Insert state here) law, and original creditor or debt collector may not call me by phone or mail after an official letter of notice is written to them. This is my official notice not to contact me by phone at my place of employment or home, nor anywhere else. Only give them permission to send you letters at your home if you wish to fight them further.

It is illegal for them if the resume to attempt debt collection calls or letters if you have told them to stop.

2. Your next step to stopping a debt collector or collection agency is to get a validation of your debt. Simply write them a letter stating "I need a validation of this supposed debt". "You have 30 days to give me this validation or legally it is an invalid debt". They must respond in 30 days by law.

3. Make sure that the debt collector is legally licensed to practice in your state. Be sure that you ask them for proof of their license or bond (or whatever is required) in your state. You can log into your secretary of state's web site for to know the requirements for collection agencies. If they are not licensed demand they remove their info from your credit or you will report them to the attorney general for illegal debt collection practices.

4. If they are bonded and/or licensed, keep sending them back letters every 30 days offering them extremely small settlement amounts. Usually 15-25% of the debt amount is advised. If they accept your low ball offer, pay it and save money on the initial debt! However never agree to make payments or give them your bank account information. Pay by money order only. Tell the debt collector in a letter that this is a "one time chance to get a single payoff from me".

5. Be sure to have fun while you are fighting debt collectors. It's a game. It's your chance to attempt to keep your credit in reasonably good standing and shows that you at least "settle" bad debts floating about. Debt collectors and collection agencies know the laws and will not violate laws if they know you know what they are. Otherwise they will bully you relentlessly.