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You need to talk to the debt collector at least once to see if you could resolve the matter – even if you don't think the debt is yours, can't pay it off or the collector has contacted you by mistake. If you decide after that initial conversation that you don't want to receive any more calls from the collector, you can write a letter requesting the collector to not contact you again. You should send the letter by certified mail and pay for a "return receipt" so that you can prove the collector actually received it.
Once you send this letter the collector cannot contact you again except for two exceptions. It can contact you to tell you that it won't be contacting you again or to inform you of the specific action it will take next – such as filing a lawsuit. Do understand that you still owe the debt but you may at least get the collector off your back.
There's no guarantee
The only problem with writing a letter to the debt collection agency requesting that it stop contacting you is that it doesn't have to accept the letter even if you sent it "return receipt required.” It’s important to remember, as noted above, that the debt collector’s incentive is to collect from you and he will do anything permitted by law to do so.
You could negotiate with the debt collector
One fact the debt collector doesn’t want you to know is that the agency bought your debt for much less than you actually owe. In fact, the big credit card companies tend to bundle their debts and sell them off to collection agencies for pennies on the dollar. That $750 debt the collector has contacted you about may have cost his agency $25 or less. This leaves a lot of room for negotiation. Also, the older the debt, the more likely it is that collector will settle with you. While paying off the debt won’t remove it from your credit report, it may improve your credit score – depending on which credit scoring model is used. And of course, if you do pay off the debt make sure to get everything in writing, including, of course, the amount you are paying and that this amount will be considered as total satisfaction of the debt.