The Fair Debt Collections Practices Act, a federal law that is meant to regulate the actions of debt collectors, can be found at 15 U.S.C. 1696. In addition to setting the ground rules for lawful debt collection, who collectors may call, when they may call, and what they may say when they call, the law also gives consumers tools to help the federal government enforce this law for their own benefit.
Debt collection is a 40 billion dollar Industry, and consumer debts are bought and sold everyday across this country. The Consumer Financial Protection Bureau collects complaints on debt collectors filed by consumers, and will often taken action against the worst offenders in the marketplace. If you have been the victim of unlawfully aggressive collection tactics, both the Kentucky Attorney General and the CFPB have complaint forms for consumers to use.
Kentucky Attorney General ag.ky.gov
Consumer Financial Protection Bureau consumerfinance.gov/complaint
But aside from lodging a complaint with the government about the tactics companies use to attempt to squeeze the last penny out of your budget, the FDCPA gives consumers the ability to stop the collectors from calling your home, your cell, and your office with just one letter. Whether your debt is disputed or not, 15 U.S.C. 1696(c) sets forth how you stop those calls from coming under the law. If you send a written request that the creditor cease all communications with you, and that letter contains your name, your address, and collection account identifying information, the debt collector can no longer lawfully contact you to attempt to collect that debt. It does nothing to the underlying obligation, but will give you some peace of mind and stop the annoying calls from coming in. I have supplied a sample cease communication letter here for your use.
If debt collectors are hounding you for payment all hours of the day, and it's affecting the quality of life for you and your family, send those debt collectors a cease communication letter, and stop those calls from even coming. If the debt collectors continue to contact you after you have sent them a Cease Communication request, you should contact a lawyer to enforce that no contact letter.