They say you owe money that you don't think you should owe. Or maybe, you owe the money but due to financial circumstances you just can't pay it right now. In the meantime, you've got third party collection agencies harassing you and your family by phone and by mail. It's gotten to the point that you're losing sleep worrying about it. What do you do?

OPTIONS

Well, one option is to make them go away. Yes, you can instantly stop unwanted phone calls and letters by invoking Public Law 95-109 Section 805-C. It provides that once notified in writing to cease further communication, a third party bill collector may only contact you one last time in order to inform you of what action they intend to take on behalf of their client. Normally, this will be a phone call telling you that they are going to recommend that their client file a lawsuit to recover the debt and additional fees. That may sound real scary, but the truth is that the majority of the time the collection agency will then return your file to the original creditor who often reports the debt as a charge off on your credit file--The End.