Debt collectors and the Do Not Call Registry

If you want to reduce the number of commercial calls that come to your home each day, you can register your phone number with the National Not Not Registry. Once you have registered your number, usually telemarketing you cannot call.

Many consumers are shocked, but if they continue to demand debt collectors even after they have added their number in the registry. Before you get angry, the National Do Not Call Registry will likely recognize how it should work. The reason why you still get collection calls is that the registration does not apply to collection calls.


The purpose of registration does not call

debt loan

The National Do Not Call Registry was created to stop unwanted calls from telemarketers. The Federal Trade Commission (FTC) is a telemarketer as someone who makes or receives calls to or from a customer to get that person good or buy services or to make a donation (telemarketing and consumer fraud and abuse prevention act).

The FTC also defines a money collector as an individual or company that collects or attempts to collect debt (Fair Debt Collection Practices Act). By definition, a money collector is not a telemarketer – because they ask you to take care of an existing obligation and not buy a product or service – and they are not under the jurisdiction of the National Not Call Registry. When the National Do Not Call Registry was established it did not contain any of the following:

  • Calls from companies that you already have a relationship with
  • Calls for which you have already written permission given
  • Calls that are not used commercially and do not contain unwanted advertising
  • Calls made by or on behalf of nonprofit organizations
  • Why Debt Collectors Can Continue Calling You

If you have signed up for a credit card or loan, buried in the fine print, you are likely to have permission for the credit card company or lender to use a third-party collector to collect any delinquent debt from you. So finally you gave permission for the collectors to call you to collect the debts from you and not to sign up for the national list to stop calling any calls from debt collectors.


How To Properly Call Collection Stop

How To Properly Call Collection Stop

If you want to stop money collectors calls, you should send a written cease and desist letter to the collector stating that you no longer wish to be contacted. Declaring the debt collector does not protect your right to have them stop calling; just one letter will stop the calls completely. Aside from paying the debt, a written request is the only way to get a debt collector to stop you from calling.

Be sure to send your letter by registered mail and keep a copy for your records so that you have evidence that you asked the money collector to stop you from calling. You can take legal action against a money collector who will continue to call you after you write a letter asking them to stop contacting you.

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