Public Service Debt Solutions Since 2003

When bill collectors call

If you are receiving harassing calls from a collection agency you can stop them.

Fair Debt Collection Practices Act

Written to protect you and your family from debt harassment. Get a copy of the Act at You do have rights! When Collectors call, start by asking permission to tape record the conversation so that there will be no misunderstanding. Legitimate Collectors will not mind being recorded. Then ask the caller for his or her name and name and address of the collection company they are working for.

Many times these third party agencies (collection agencies), will call you before they send any notice in the mail. If you have only received calls and no written notices by mail then when they call say something like this:

“I haven’t any documentation from you or my bank, I am doing business with, stating that you are handling this account. I don’t have any agreement with your company. You will need to send me something in writing by mail before I will respond to you. I will need to have all correspondence in writing. If you continue to call, I will contact that state attorney general and the FTC (Federal Trade Commission) and I will file a complaint against you for harassment.”

Once they have given you written notice then You can stop all phone calls from a credit collector by sending them a written request to stop. Once they have received your letter, they must stop calling mandated by the rules of the Fair Debt Collection Practices Act. Should they continue calling send a complaint to the Consumer Protection Agency.

There’s no cost or obligation.

To find out more about this or any of the other alternative solutions, please complete this simple form. Or call toll free Monday thru Friday 12pm to 6pm EST at Toll Free (866) 560-8585..


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