You don't even need a letter like that. All you need to do is formally write that they do not contact you by phone. Get the letter sent certified and keep your receipt. The idea about the law is that if you ask them to stop phone communication then they have to do so. So, to answer your question, send them a letter, word it the way that pertains to your situation, and if they don't stop, they are violating the law. It doesn't matter if it's an OC or a debt buyer. Just send them a letter that says something like I am now evoking my rights and demand that you do not phone me or any other about this debt. Really word it the way you want. If you want to be contacted about a deal, then ask that they only call you if they have a legitimate reason to do so or for any offer to settle your debt. Just think about what you need and write the letter as an honest attempt. You do not need to let them know that you know the laws and blah, blah, blah.
|