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1 How do I get a debt collector to stop contacting me?
https://www.consumerfinance.gov/ask-cfpb/how-do-i-get-a-debt-collector-to-stop-contacting-me-en-1411/
If you're having trouble with debt collection, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).
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2 Should I Tell a Debt Collector to Stop Contacting Me? - Nolo
https://www.nolo.com/legal-encyclopedia/should-i-tell-debt-collector-stop-contacting-me.html
To get a collector to cease communication, send a letter by mail, return receipt requested (keep a copy), stating that you want the collection agency to stop ...
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3 How to Stop Debt Collection Calls - InCharge Debt Solutions
https://www.incharge.org/debt-relief/credit-counseling/bad-credit/how-to-stop-collection-calls/
If you want a debt collector to stop contacting you, the FDCPA gives you the right to make that happen. Putting your request in writing, ...
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4 How to Stop Debt Collectors From Calling - The Balance
https://www.thebalancemoney.com/stop-debt-collector-calls-960566
Ways to stop collection agencies from calling you include sending them a cease and desist letter. Photo: The Balance / Julie ...
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5 Use This 11 Word Phrase to Stop Debt Collectors | SoloSuit Blog
https://www.solosuit.com/posts/eleven-word-phrase-stop-debt-collectors
Under the Fair Debt Collection Practices Act (FDCPA), if you ask for a debt collector to stop contacting you, they must do so.
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6 Don't Be Harassed – Here is How To Stop Collection Calls
https://casetext.com/analysis/dont-be-harassed-here-is-how-to-stop-collection-calls
If this fails and the debt turns over to debt collectors, write a cease communication letter requesting the debt collection agency to halt collection calls.
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7 Debt Collection FAQs - Federal Trade Commission
https://consumer.ftc.gov/articles/debt-collection-faqs
Debt collectors can call you, or send letters, emails, or text messages to collect a debt. How can I stop a debt collector from contacting me? Mail a letter to ...
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8 How to Stop Collection Calls (Guide) - Upsolve
https://upsolve.org/learn/stop-collection-calls/
Federal law mandates that in most cases debt collectors must stop calling you once you ask them to stop contacting you, but you must make this ...
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9 Know Your Rights - Debt Collection - Texas State Law Library
https://guides.sll.texas.gov/debt-collection/know-your-rights
You can stop a debt collector from contacting you by writing a certified letter to the collector telling them to stop. Keep a copy for your records. Once the ...
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10 Stopping creditors from contacting you | Illinois Legal Aid Online
https://www.illinoislegalaid.org/legal-information/stopping-creditors-contacting-you
Get the creditor or collector's mail address. Write them a letter and ask them to stop contacting you. Use our Ask debt collector to stop contact Easy Form.
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11 Should I Answer Debt Collector Calls?
https://www.ncoa.org/article/should-i-answer-debt-collector-calls
In your letter, request verification of the total amount you owe. It's a smart idea to send the letter via certified mail and ask for a return ...
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12 Debt Collectors Calling your Cell Phone: TCPA protections ...
https://www.christiearkovich.com/debt-collectors-calling-your-cell-phone-tcpa-protections-you-sho.html
So to stop these calls all you have to do is withdraw any consent to call your cell. It's best to do this in writing with a letter sent via certified mail. This ...
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13 Debt Collection Fact Sheet - Minnesota Attorney General's Office
https://www.ag.state.mn.us/consumer/publications/debtfactsheet.asp
You can stop collectors from calling or writing to you by sending them a letter asking them to stop. Once they get your letter, they can only contact you to ...
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14 What to do If a Debt Collector Calls You - Credit.org
https://credit.org/blog/what-to-do-when-debt-collectors-call/
Take Notes · Don't Admit You Owe the Debt · Don't Make Any Payments or Promises · Request a Debt Validation Letter · Keep it Professional · Don't Provide Any ...
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15 How to Stop Telemarketer or Collections Calls in Ohio
https://www.ohiodebthelp.com/debt-collections/how-can-i-stop-telemarketer-or-collection-calls/
You have a right to stop collector calls under the FDCPA. You can ask a creditor or collection agency to stop contacting you by telephone.
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16 Debt Collectors | State of California - Department of Justice
https://oag.ca.gov/consumers/general/debt-collectors
You also have the right to ask a debt collector to stop contacting you entirely. If you do so, the debt collector can only contact you to confirm that it ...
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17 How to Negotiate with Debt Collectors - Money
https://money.com/how-to-negotiate-with-debt-collectors/
You can request, in writing, that debt collectors stop calling you and communicate via other means instead. Debt collectors may contact your ...
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18 How Do I Stop Debt Collectors From Bothering Me?
https://mobilizationforjustice.org/wp-content/uploads/How-Do-I-Stop-Debt-Collectors-From-Bothering-Me-CRP-March-2016.pdf
If you are being called constantly or receiving harassing mail from a debt collector, a federal law called the Fair Debt Collection Practices Act, as well as ...
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19 How to Stop Debt Collection Calls | Freedom Debt Relief
https://www.freedomdebtrelief.com/debt-relief/stop-debt-collector-calls/
You can stop calls from debt collectors by making a written request. · Bill collectors cannot call you at work if you ask them not to. · Calls stop if the ...
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20 Your Debt Collection Rights | Office of the Attorney General
https://www.texasattorneygeneral.gov/consumer-protection/financial-and-insurance-scams/debt-collection-and-relief/your-debt-collection-rights
Fair Debt Collection Practices Act · Calls at work if the collector has reason to know the employer does not permit such calls · Calls before 8:00 a.m. or after 9 ...
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21 Debt Collection FAQs - Ohio Attorney General Dave Yost
https://www.ohioattorneygeneral.gov/FAQ/Debt-collection-FAQs
May a debt collector call me at work? Yes, but you can specifically request not to be contacted at work. Also, if the debt collector knows that your employer ...
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22 How do I stop debt collectors from calling the wrong number?
https://topclassactions.com/lawsuit-settlements/tcpa/how-do-i-stop-debt-collectors-from-calling-the-wrong-number/
In the short term, you can send a cease and desist letter to stop debt collectors from calling you. The Balance notes that the debt collector can contact you ...
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23 How to Write a Cease and Desist Letter to a Debt Collector
https://www.debt.com/collection/cease-and-desist-letter/
A cease and desist letter is a way to formally request that a debt collector stop contacting you about a debt. The Fair Debt Collection ...
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24 How to Protect Yourself: Debt Collections
http://myfloridalegal.com/pages.nsf/main/7cd1ef6dd790c14685256cc900560bd6!opendocument
You may stop a collector from contacting you by writing a letter to the agency telling them to stop. Once the agency receives your letter, ...
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25 Debt collectors are calling me. What can I do?
https://www.ptla.org/debt-collectors-are-calling-me-what-can-i-do
Stop call letter ... The most common complaint we hear: “A debt collector is hounding me and will not stop calling.” This simple letter asserts your rights under ...
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26 A Letter To Stop Debt Collection Harassment - Rocket Lawyer
https://www.rocketlawyer.com/family-and-personal/personal-finance/debt-and-bankruptcy/legal-guide/use-a-cease-and-desist-letter-to-stop-debt-collection-harassment
Federal law allows you to communicate with debt collectors to tell them that you want them to stop contacting you. However, you must make this request in ...
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27 5 Things Debt Collectors Can't Do — and 5 They Can
https://www.nerdwallet.com/article/finance/things-debt-collectors-cannot-do
Debt collectors can't call you before 8 a.m. or after 9 p.m. You can also request that a debt collector stop calling or writing in pursuit ...
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28 FAQ's | New York State Attorney General
https://ag.ny.gov/debt-settlement/faqs
To stop a debt collection agency from contacting you, you must write a letter to the debt collection agency to ask that they stop contacting you.
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29 Debt Collector Calls For Someone Else
https://consumerlawyer.mn/debt-collector-calls-someone-else/
Once a debt collector knows they have called the wrong party, they have to stop calling that person. If you receive a debt collection phone call for someone ...
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30 Consumer Advice Dealing with Debt Collectors—Including the ...
https://library.nclc.org/article/consumer-advice-dealing-debt-collectors-including-new-federal-rules
Debt collectors must comply with consumer requests to stop using a particular type of communication—for example, a request to stop calling ...
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31 How to Stop Collection Calls?
https://paconsumerattorney.com/how-to-stop-collection-calls/
"[I]f you tell a collection agency to stop calling it must honor your request[.]" There are two federal laws that allow you to tell a debt collector to stop ...
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32 Contacted by a Debt Collector? 6 Things to Know About Your ...
https://www.creditkarma.com/advice/i/debt-collection-rights
Tired of constant phone calls from a debt collector? You have the right to ask them to stop contacting you. To do so, you can send what's ...
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33 Debt Collection & Debt Collection Scams - State of Michigan
https://www.michigan.gov/ag/consumer-protection/consumer-alerts/consumer-alerts/credit/debt-collection
If you would like a debt collector to stop contacting you entirely, federal law allows you to demand that they stop contacting you. Send the debt collector a ...
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34 How to Stop Debt Collectors from Calling - Convergent
https://www.convergentusa.com/outsourcing/page/how-to-stop-collection-calls
By Phone - If you have received calls from any of our 800-numbers and would like them to stop, you may remove your number via our automated phone number removal ...
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35 Strategies for Responding to Debt Collectors - NCLER
https://ncler.acl.gov/getattachment/Legal-Training/upcoming_event/Debt-Collection-Ch-Summary.pdf.aspx?lang=en-US
in stopping a debt collector from contacting a consumer, to avoid debt ... of communication—for example, a request to stop calling or stop emailing.
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36 How Long Can Debt Collectors Pursue Old Debt? - Bankrate
https://www.bankrate.com/finance/credit-cards/how-long-can-a-debt-collector-pursue-old-debt/
If you've ever received a phone call from a debt collector asking about a credit card ... the agency must stop calling you about your debt.
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37 How to Get Bill Collectors to Stop Calling You : Guide |
https://alleviatefinancial.com/debt-settlement/how-to-get-bill-collectors-to-stop-calling/
This article examines a step-by-step guide to writing a cease and desist letter to debt collectors, which can stop unwanted calls. · The date ...
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38 Debt Collectors - NCDOJ
https://ncdoj.gov/protecting-consumers/credit-and-debt/debt-collectors/
To stop a debt collector from calling you at home or work: · Put your request in writing. · Once the debt collector gets your letter, they may not contact you ...
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39 How to Stop Collection Calls? - ERC
https://ercbpo.com/faqs/how-to-stop-collection-calls/
As mentioned above, the easiest way to do this is to ask the agency to stop calling you next time they attempt to get in touch. Sometimes collectors will ...
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40 Consumer Alert: Debt Collection - OAG-DC
https://oag.dc.gov/consumer-protection/consumer-alert-debt-collection
You can write a letter to the debt collector telling them to stop contacting you. (Click here for a letter you can use) After receiving your letter, a debt ...
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41 How to Stop Collection Calls & Deal with Collection Agencies ...
https://nomoredebts.org/blog/dealing-with-debt/how-to-stop-collection-calls-deal-with-collection-agencies
If you discover that the debt the collection agency is calling about indeed belongs to you, one way you can get a collection agency to stop calling is to ...
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42 FDCPA - Missouri Courts
https://www.courts.mo.gov/hosted/probono/fdcpa.htm
Q: Can You Stop a Debt Collector From Contacting You? You may stop a ... The letter should be sent by certified mail with a return receipt requested.
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43 Can a Debt Collector Call Me on My Cell Phone?
https://attorneydebtfighters.com/can-a-debt-collector-call-me-on-my-cell-phone/
If a debt collector chooses to ignore your requests to limit or stop calls to your cell phone, you may be entitled to hold them accountable and seek a ...
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44 Harassment by Debt Collectors - Legal Services for the Elderly
https://mainelse.org/handbook/managing-your-debt/harassment-debt-collectors
If debt collectors are calling you and you don't want to speak to them, you should demand that they stop. Get their address and send each a “cease communication ...
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45 How to Stop Debt Collector Harassment - FindLaw
https://www.findlaw.com/bankruptcy/debt-relief/how-to-stop-debt-collector-harassment.html
1. Write a Letter Requesting To Cease Communications ... The first thing to do is to write the debt collector a letter telling them to stop ...
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46 5 Things You Can Do When a Debt Collector Calls - Help4TN
https://www.help4tn.org/senior-services/legal-information/consumer-law/5-things-you-can-do-when-a-debt-collector-calls
1. Ask the Collector to Stop Calling You. If you do not want to get any more calls from a debt collector, you can tell the collector to stop ...
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47 Hanging up on debt collectors | Adolf Law Office
https://www.adolflawoffice.com/blog/2020/05/hanging-up-on-debt-collectors/
Stopping collection calls ... FDCPA allows you to hang up on debt collectors. They have no recourse if you refuse to take their calls. Collectors ...
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48 Dealing with Debt Collectors - LawNY
https://www.lawny.org/node/81/dealing-debt-collectors
It is illegal under federal law for the debt collector to continue contacting you after you have asked them to stop. If they do, you may be able ...
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49 Dealing with Debt Collectors - Consumer's Edge
https://www.marylandattorneygeneral.gov/CPD%20Documents/Tips-Publications/117.pdf
You can ask a debt collection agency to stop contacting you by sending it a letter. Once it receives your letter, it may not contact you again, except to ...
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50 DEBT COLLECTION - MHLAC
https://mhlac.org/wp-content/uploads/2018/10/debt_collection.pdf
When you speak to creditors or debt collectors, you can ask them to stop contacting you. If your income is judgment proof, you also should state this. Keep ...
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51 How Many Times Can A Debt Collector Call You In One Day?
https://www.jacksonwhitelaw.com/bankruptcy/how-many-times-can-debt-collector-call/
How To Stop Debt Collectors from Calling ... While preventing a debt collector from calling you will not make your debt go away, it can provide you with some ...
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52 Debt Collection - Consumer Protection
https://www.doj.state.or.us/consumer-protection/credit-loans-debt/debt-collection/
Debt collectors must follow certain procedures to collect on a debt. They must: · identify themselves during a phone call. · not misrepresent who they are and who ...
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53 Debt Collection Handbook
https://www.njconsumeraffairs.gov/News/Brochures/Debt-Collection-Handbook.pdf
Upon request, debt collectors must send you a written “validation notice” telling you ... you again, tell the collector “in writing” to stop contacting you.
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54 Collector Stop the Calls Sample Letters
https://www.lssmn.org/financialcounseling/sites/financialcounseling/files/2018-07/Collector%20Stop%20the%20Calls%20Sample%20Letters.pdf
Instructions: 1. Type or print the letter very neatly and clearly, and do NOT include your phone number. 2. Mail your letter to the creditor/debt collector ...
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55 Debt Collection Guide - NYC.gov
https://www1.nyc.gov/assets/dca/downloads/pdf/consumers/Consumers-Debt-Collection-Guide-English.pdf
To verify if a debt collection agency is licensed, call 311 ... You can also stop the collector from contacting you during the time you dispute the debt by ...
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56 What to Do When a Debt Collector Calls - IdentityIQ
https://www.identityiq.com/credit-monitoring/what-to-do-when-a-debt-collector-calls/
Other times, it's better to tell to tell the debt collectors to stop calling. If you're positive the debt is valid, you may want to pay the debt ...
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57 Debt Collection & Creditor Harassment
https://www.debt.org/credit/collection-agencies/harassment/
What If They Continue to Call? ... It is tough to define exactly how many calls from a debt collector is considered harassment, but keeping a record of calls ...
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58 Debt Collectors - Georgia Consumer Protection
https://consumer.georgia.gov/consumer-topics/debt-collectors
Can I stop a debt collector from contacting me? Yes. If you want all debt collection contact to stop, and it is a debt collection agency rather than the ...
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59 Debt collector response template - Ballard Spahr
https://www.ballardspahr.com/-/media/files/alerts/2013-07-11-cfpbletters.pdf?la=en&hash=B7AA1757F0E9887D547A99C66D9D426F
You still might be sued, or have debt reported to a credit bureau. You can ask a debt collector to stop contacting you at any time, so keep in mind that you ...
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60 How To Make Debt Collectors Stop Calling - Follow These Tips
https://bankruptcytrusteebc.ca/blog/how-to-make-debt-collectors-stop-calling/
A debt collector is allowed to contact you to request payment; however, you have the right to ask that they only contact you in writing. To do ...
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61 Debt collectors and your rights
https://dfi.wa.gov/financial-education/information/debt-collectors-and-your-rights
How to stop debt collection calls. You have the right to tell a debt collector to stop communicating with you. To stop communication, send a letter to the ...
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62 Debt Collections - Consumer Protection Topic
https://law.alaska.gov/department/civil/consumer/debt.html
The FDCPA prohibits a debt collector from contacting you at work if they know ... Keep in mind that requesting that a debt collector stop contacting you ...
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63 Can Debt Collectors Call Your Work? - Tayne Law Group
https://attorney-newyork.com/2020/11/20/can-debt-collectors-call-your-work/
You can still consider telling a debt collector to stop contacting you, request that the debt be validated, and are not subject to any forms ...
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64 Dealing with debt collectors | Ohio Legal Help
https://www.ohiolegalhelp.org/topic/debt-collectors
If debt collectors call often or harass you, you can take action to make them stop (even if you owe the debt). A federal law called the Fair Debt Collection ...
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65 Consumer Collection Practices - CT.gov
https://portal.ct.gov/DOB/Consumer/Consumer-Education/Consumer-Collection-Practices
They may not mention that you owe any debt. They are prohibited from contacting such third parties more than once. Debt collectors may not communicate by post ...
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66 Stop collection agency calls - Ontario.ca
https://www.ontario.ca/page/stop-collection-agency-calls
To stop the collection calls, you need to either pay off the debt or contact the collection agency to try and negotiate a payment plan.
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67 What Is Considered Creditor Harassment?
https://www.buschreedlaw.com/blog/2022/february/what-is-considered-creditor-harassment-/
Also, if you ask a debt collector to stop contacting you in writing, the collection company can only contact you to confirm your request or ...
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68 Debt Collection, Garnishment, and Repossession article
https://www.azlawhelp.org/articles_info.cfm?mc=4&sc=29&articleid=59
Debt collectors must stop contacting you until they mail you the verification of the debt. If they are unable to verify the debt, they must stop collection ...
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69 How to stop debt collectors from contacting you - LawHelpNY
https://www.lawhelpny.org/resource/how-to-stop-debt-collectors-from-contacting-you
If you tell a debt collector in writing to stop contacting you, the debt collector cannot contact you again. · What should the letter say?
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70 Can a Debt Collector Call on the Holidays? - Credit.com
https://www.credit.com/blog/can-a-debt-collector-call-me-during-the-holidays/
How Can You Keep Debt Collectors from Interfering with Holidays? · Ask Them to Stop · Work Out a Payment Plan · Consult an Attorney.
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71 Chapter 9: Debt Collection - TN.gov
https://www.tn.gov/content/dam/tn/attorneygeneral/documents/consumer/militaryguide/chapter09.pdf
During the first call, the collector must state the ... If asked for validation (proof) of the debt, the collection agency must stop all attempts.
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72 Know Your Rights: Debt Collectors Contacting You
https://privacyrights.org/resources/know-your-rights-debt-collectors-contacting-you
What You Can Do · tell a debt collector to contact your attorney (they must comply with your request) · ask a debt collector in writing to stop ...
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73 Debt Collection - Texas Law Help
https://texaslawhelp.org/article/debt-collection
You can also send a “cease-and-desist” letter to the debt collector by certified mail demanding that they stop harassing you at your home or ...
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74 Should I ignore a debt collector's calls and letters?
https://www.thebankruptcysite.org/resources/should-i-ignore-a-debt-collectors-calls-and-letters.htm
You can stop the calls. The Fair Debt Collection Practices Act (FDCPA) requires a debt collector to stop communicating with you if you send a written request, ...
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75 Stop Collection Calls Today | New Jersey Bankruptcy Attorneys
https://www.jenkinsclayman.com/bankruptcy-information
If debt collectors continue to call after you've asked them to stop, they're in violation of the FDCPA and you may be entitled to damages.
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76 8 Things Debt Collectors Cannot Do - Windfall
https://getwindfall.com/8-things-debt-collectors-cannot-do/
They cannot keep calling you if you ask that they stop. If you ask for a debt collector to stop calling you at work, whether through a verbal or written request ...
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77 Fair Debt Collection Practices Act - Virginia Legal Aid Society
https://vlas.org/wp-content/uploads/2016/07/Fair-Debt-Collection-Practices-Act.pdf
hanging up until the debt collector stops. You may report these calls to your telephone service center or annoyance call center. The.
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78 Debt Collection - Illinois Attorney General
https://illinoisattorneygeneral.gov/consumers/debtcollection.html
You can stop a debt collector from contacting you by writing a letter to the collection agency telling him or her to stop. Once the agency receives your ...
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79 Free Letter to Stop Creditor Calls and Harassment - wh Law
https://whlawoffices.com/stop-creditor-calls-bankruptcy/
When debt collectors call your employer, there are the rules they must follow: ... It's possible that the debt collector called your workplace by ...
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80 When and where can a debt collector call me?
https://www.cardozalawcorp.com/faqs/debt-collectors-cannot-call-at-unreasonable-hours.cfm
What Debt Collection Calls Are Off Limits? · Debt collectors cannot call you before 8 a.m. or after 9 p.m. They can still send emails or text messages at any ...
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81 Debt Collection-Your Rights Under Federal Law
https://www.indianalegalservices.org/sites/indianalegalservices.org/files/Debt%20Collection-Your%20Rights%20Under%20Federal%20Law%20%20-%20%20PDF-Brochure.pdf
Debt Collectors are businesses or persons who collect debts on behalf ... Cannot repeatedly call to harass ... You can stop a debt collector from contacting ...
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82 How To Stop Debt Collectors from Calling
https://debtfreecanada.ca/stop-debt-collector-calls/
Ask to be communicated in writing only. If you are working on the funds to offer the Collection Agency or the Agency becomes too harassing, you can request for ...
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83 How Can I Stop Collection Calls at Work? - Steffens Law Office
https://www.steffenslaw.com/blog/how-can-i-stop-collection-calls-at-work-.cfm
A request that a creditor or collection agency cease calls at work can be verbal or written.
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84 Debt Collectors Are Not Allowed to Harass You By Calling ...
https://www.paulmankin.com/debt-collectors-are-not-allowed-to-harass-you-by-calling-multiple-times-a-day
Creditors and debt collectors are not allowed to repeatedly call you throughout the day trying to get you to pay them money. The Fair Debt Collection ...
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85 What to Do When a Debt Collector Contacts You - Triage Cancer
https://triagecancer.org/what-to-do-when-a-debt-collector-contacts-you
Yes. But, it is important to realize that just by having the debt collector stop contacting you, the debt does not go away. The FDCPA states if ...
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86 Debt Collection: Know Your Rights - CTLawHelp.org
https://ctlawhelp.org/debt-collection-practices
Debt collectors can call you to ask for their money and they can send letters demanding payment, but there are limits on what they can do. You do not need to ...
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87 Why is a debt collector calling me?
https://www.theconsumerlawgroup.com/faqs/reasons-a-debt-collection-agency-may-be-contacting-you.cfm
If a debt collector is trying to track down someone you may know, they may call you one time—any more than this is considered harassment and is illegal—but may ...
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88 What Are My Rights Against a Debt Collector? | Equifax
https://www.equifax.com/personal/education/debt-management/rights-versus-debt-collectors/
If the collector keeps calling you, you can ask them to stop by sending them a letter in which you specify a time or method to contact you. For example, you can ...
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89 Is that a debt collector calling you? What should you say to him?
https://www.ovlg.com/blog/is-that-a-debt-collector-calling-you-what-should-you-say-to-him.html
Send Cease & Desist letter: You can send a Cease and Desist letter to the collection agency and ask them to stop all communication with you ...
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90 Debt Collectors May Soon Contact You By Text and Social ...
https://www.forbes.com/advisor/personal-finance/revised-debt-collection-rules-texting-social-media/
In addition, you can ask them to stop calling you and they must comply. Currently, there's no limit on how often a debt collector can call ...
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91 Debt Collectors and the Law | The Maryland People's Law ...
https://www.peoples-law.org/debt-collectors-and-law
The creditor may send your debt to a collection agency. The collection agency may also call and write. Sometimes these calls or letters can be ...
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92 Phone calls about my debts - StepChange
https://www.stepchange.org/debt-info/debt-collection/phone-calls-about-debt.aspx
Can I stop my creditors calling me? ... If you don't want to receive any phone calls you can ask your creditors to remove your number from their records. We have ...
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93 How To Stop Collection Calls To Your Job - Berkowitz & Myer
https://berkmyer.com/how-to-stop-collection-calls-to-your-job/
Simple- tell creditors and debt collectors to “Stop Calling” because you are not allowed to take personal calls at work. As discussed in a ...
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94 Six Tips for Making Collection Calls that Get Results
https://www.abc-amega.com/articles/six-tips-for-making-collection-calls-that-get-results/
Then, when the customer tries to end the call by offering an excuse, ... reply and returning to the purpose of your call — collecting the debt.
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