There comes a point when collection agencies begin to call an extreme amount of times each day. These calls can disrupt your work life, personal life, and mental stability because they become so harassing and overwhelming when you are already facing financial insecurity. If this sort of a burden begins to plague your life and you see no end in sight, the FDCPA allows you to send third party collectors a Cease and Desist Notification, which absolutely requires them to stop contacting you, with a few provisions regarding your debt. Remember, however, that in no way does issuing such a notice excuse you from paying the debt that you owe.

C ollectors can call you to confirm that they will no longer be calling you. They may also call to let you know that the debt collector or creditor may invoke certain resolutions to your debt that they ordinarily use, or to tell you that they will definitely turn to those remedies.

One thing to keep in mind is that a Cease and Desist Notice is applicable only to the third party caller. It will not benefit you at all to send it to the original creditor, as they have no obligation to abide by the notice. In fact, what may happen is that they will continue calling and furthermore, heighten their collection efforts.

When you send out a Cease and Desist Notice to lenders, make great efforts to continue paying them. This way, the payments will act as assurance that you still intend on paying the debt even though you have announced that you would no longer like to receive the calling reminders. Try to submit approximately 2 percent of the balance that you owe each month. If you do not show the creditors that you are committed to paying the amount you owe and they are forbidden from contacting you, they may try to collect the debt by suing you, a road you will find much more expensive and trying.

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