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How to stop the bank from calling

Posted by CC in OC on April 22, 2009 at 9:15 AM

In Reply to: Re: California Home Situation - please help posted by NK on April 21, 2009 at 1:40 PM

Send the following letter to your lender:

This letter is to request that, pursuant to Section 805(c) of the Fair Debt Collection Practices Act, you limit your contact with me to written communications only. [signed]

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf

(c) CEASING COMMUNICATION. If a consumer notifies a
debt collector in writing that the consumer refuses to pay a
debt or that the consumer wishes the debt collector to cease
further communication with the consumer, the debt collec-
tor shall not communicate further with the consumer with
respect to such debt, except—

(1) to advise the consumer that the debt collector’s further
efforts are being terminated;

(2) to notify the consumer that the debt collector or credi-
tor may invoke specified remedies which are ordinarily
invoked by such debt collector or creditor; or

(3) where applicable, to notify the consumer that the debt
collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notifica-
tion shall be complete upon receipt.


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