Are you bothered by constant debt harassment phone calls? Do you get embarrassing calls from debt collectors and creditors at all hours at home and even at work? Do you get stressed every time the phone rings? If so, there is a very simple technique to stop those annoying debt harassment phone calls.

The United States Congress enacted federal legislation that protects the rights of American citizens. It regulates the activities of debt collectors and collection attorneys and protects the rights of people who are in debt. The law is called the Fair Debt Collection Practices Act. It states that debt collectors and attorneys should stop calling you at home and at work once you ask them to stop calling you.

The law specifies that your request must be in writing, so you must tell them to stop calling you at home and work the next time they call, but then follow up in writing. To ensure that your request is received in writing, you must send a registered letter with acknowledgment of receipt. It is important to send the letter this way so that you have proof that it was received.

So if you get debt harassment phone calls and want them to stop, let them know the next time they call. Tell them you cannot pay them right now and request that they stop contacting you on the phone. If necessary, tell them that the Fair Debt Collection Practices Act requires that they stop calling you at home and at work. Then tell them that you will send them a registered letter this week officially asking you to stop contacting me on the phone. Then ask them what address you can send the letter to.

If a debt collector continues to call you after you asked to stop, you may have the right to sue you and collect damages.