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Do I have to accept collect telephone calls or telegrams from a collection agency?

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Do I have to accept collect telephone calls or telegrams from a collection agency?

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No, not unless you agree to it beforehand. It is illegal for a collection agency to misrepresent the purpose of the call to trick you into paying for the charges. 12. How do I stop a collection agency from contacting me? Request IN WRITING that you want no further contact. We suggest that you send it return receipt requested. After receiving the letter, the agency may only contact you one more time to inform you of the action they are going to take. Remember though, that if you ask them to not contact you, you may leave them no other option but to take you to court. 13. Does a collection agency have to accept partial payments? You may request a payment arrangement if you are unable to make payment in full. Make the request in writing and keep a copy for your records. The agency is not required to accept a payment arrangement, but many will try to work with you if you explain your situation.

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