<p>To <a href="https://www.thebalance.com/stop-debt-collector-calls-960566" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">stop debt collector calls</a>, send a written letter letting them know you no longer wish to be contacted. It&#39;s just that simple. Once the collector receives your letter, they’re allowed one final written contact letting you know what, if anything, they’re going to do next.</p><p>The law says debt collectors can only call between the hours of 8 a.m. and 9 p.m. But, if there’s another timeframe that’s not convenient for you, for example before 10 am because you work the late shift, let the debt collector know and they&#39;re prohibited from calling you at that time.</p><p>Soon after they first contact you, the debt collector is required to notify you of your right to dispute the validity of the debt. Then, you have 30 days to send a <a href="https://www.thebalance.com/debt-validation-requires-collectors-to-prove-debts-exist-960594" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">debt validation letter</a> requesting proof that the debt is yours. After receiving your letter, the collector must stop collection activity until they’ve sent the proof.</p><p>The Fair Credit Reporting Act says that only accurate, timely, and verifiable information can appear on your credit report. Send a <a href="https://www.thebalance.com/dispute-credit-report-errors-960452" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">credit report dispute</a> to the credit bureau to have inaccurate collection accounts removed from your credit report. Follow up with the collection agency if the credit bureau dispute is unsuccessful.</p><p>Debt collectors can’t <a href="https://www.thebalance.com/how-to-stop-debt-collectors-from-calling-you-at-work-960576" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">call you at work</a> if they know or should know you’re not allowed to receive those types of calls at work. Just tell the collector not to call your job or send a letter if you want to have your request in writing.</p>Debt collectors can contact certain third-parties to get your contact information if they can’t reach you, but they can only contact these people once each. Collectors are generally not allowed to tell anyone else about your debt. The exception is your spouse, your attorney if you have one, and your parent or legal guardian if you’re under age 18.Debt collectors prohibited from giving false information. They’re not allowed to falsely represent themselves as attorneys or government agencies if they’re really not, nor can they accuse you of committing any crime. They’re not allowed to misrepresent papers as legal forms or papers are not legal forms when they really are.<p>Collectors aren’t allowed to charge any interest or fees unless the original contract or by state law allows it. You can dispute an amount that seems unreasonably</p><p>If you have more than one debt with a debt collector, you’re allowed to choose which debt your payment should apply to. The FDCPA also forbids the collector from applying paying to a debt that you’ve disputed.</p><p>The <a href="https://www.thebalance.com/state-by-state-list-of-statute-of-limitations-on-debt-960881" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">statute of limitations</a> is the amount of time that a collector can sue you for a debt. The time limit varies by state and by type of debt. You still owe the debt after the statute of limitations has passed, however, you do have the right to withhold payment. Collectors can still collect on the debt and even list it on your credit report if it’s still within the <a href="https://www.thebalance.com/negative-info-credit-report-960421" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="2">credit reporting time limit</a>.</p>You can sue a debt collector in state or federal court. You may receive actual damages, like lost wages, up to $1,000 in punitive damages, and reimbursement for your legal fees. If the same debt collector has violated you and several other consumers, you can form a class action lawsuit and receive up to $500,000 or 1% of the collector’s net worth.