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Bankruptcy FAQ
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I'm getting calls from the collections department of a local merchant I did business with. Can I tell that collector to stop contacting me?
No. The Federal Debt Collection Practices Act applies only to bill collectors who work for collection agencies. While many states have laws prohibiting all debt collectors -- including those working for the creditor itself -- from harassing, abusing or threatening you, most of these laws don't give you the right to demand that the collector stop contacting you. One exception is New York City: residents of that city can use a local consumer protection law to write any bill collector and say "stop contacting me."
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