Write a cease and desist letter
One of the best parts about debt collection regulation is that it gives you an avenue to never have to deal with debt collectors via phone calls. Through what is called a ‘cease and desist’ letter, you can inform the debt collection agency that you only wish to deal with the creditor directly and therefore do not want to be contacted by debt collectors.
In the letter, you can also mention to the collector that any further contact will result in legal action from you. Under current regulatory guidelines, once the debt collection agency receives this letter, they must immediately stop contacting you.
To ensure that the letter is delivered, find the collector’s official mailing address and send the letter there. As long as you have proof of this letter (you can retain a copy), the law will always be on your side.