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You do have some power over debt collection calls

Debt collection calls can become disheartening very quickly. If you are attempting to find a way to deal with your debt, constant calls from collectors can be stressful and can actually cause you to make decisions outside of your plan. You might agree to make a payment you can't really afford at the time simply to stop the person from making more phone calls.

In some cases, debt collectors will call your friends or relatives -- especially if you listed those people as references when you took out a loan. While debt collectors aren't supposed to be able to share any information with your friends and family and can only contact them a limited number of times to ask about your own contact details, they don't always play by these rules.

Luckily, there are ways to stop debt collectors from making such contact. A first step you might take is to request that the debt collector stop contacting you -- you must do this in writing, and the debt collector is legally obligated to stop calling you. You still owe the debt and the debt collector will likely still pursue the debt via whatever legal channel is open. You might still receive notices in the mail about such activity.

Another way to stop debt collectors -- and get a handle on your debt at the same time -- is to file for bankruptcy. As soon as debt collectors are notified of a bankruptcy filing, they must stop contacting you. You can even refer the collector to your attorney if they do call you, and Chapter 13 bankruptcy has the added benefit of helping you find a way to deal with debt and move on with your future.

Source: FindLaw, "How to Stop Debt Collector Harassment," accessed May 20, 2016

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Joshua Z. Goldblum, Attorney at Law
826 Bustleton Pike Suite 101B
Feasterville, PA 19053

Phone: 215-322-2745
Fax: 215-953-9973
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